Can't play minecraft realms because of child lock

Hey there! You're going to need to verify which version of Minecraft you have. There are two on the Xbox One that you could have.

Minecraft: Xbox One Edition is no longer supported. It's playable, but it can't be found in the Store and does not receive updates. This version of the game does not have Realms access.

Minecraft/Minecraft: Windows 10 Edition/Minecraft: Bedrock Edition (All just different names for the same game) is the version with Realms that are cross-compatible.

Java version (only available on PC) is not compatible with Xbox.

If your child's friend has the Realm set up on the correct version of Minecraft, you just need a Gold Subscription. Realm hosts pay the monthly fee to keep the Realm online. The friend will need to invite your friend/add them as a Realm member from their
Xbox or PC, then your child will receive a little envelope thing on their Minecraft menu. That is the Realm invitation. Once that's accepted, they should be able to join the Realm.

same thing with me I have a child lock on my account but I'm the owner of the account and Xbox it was working just fine a few days intell now I can't play any realms or online and idk how to get rid of it

Here is a link about issues with joining relms with child accounts. Minecraft Realms

Hola este enlace le podría ayudar es del centro de ayuda de minecraft

https://help.minecraft.net/hc/en-us/articles/360042221252-Im-Getting-an-Error-When-
Trying-to-Play-Realms-with-a-Child-Account

Is your Microsoft account set up as an childs account?

if not check these links

https://support.xbox.com/en-US/games/game-titles/minecraft-realms-overview

https://help.minecraft.net/hc/en-us/sections/360004954931-Minecraft-Realms