Privaci xbox one xbox 36 online safety add Friends allow join multiplayers ganes allow you...

"You cannot play online multiplayer because of how your Microsoft account is set up. Review and change your privacy settings at aka.ms/accountsettings."

This was breaking me. But with hours of searching and trying different things this was the key:

To join a Realm in the first place, the xbox setting You can create and join Clubs must be set to Allow.

So even though I had allowed my child to join multiplayer games, they still could not join my Realm.

You can adjust Join Clubs on the Xbox One console or in a browser.

Xbox One Console:

Login as the parent/adult in the family

Account > Family Settings

Choose child's profile

Privacy & online safety

Xbox Live privacy

View details & customise

Friends & clubs

You can create and join clubs: ALLOW

Communication & multiplayer

You can join multiplayer games: Allow

You can play with people outside of Xbox Live: Allow

In a Browser:

https://account.xbox.com/Profile & sign in

Privacy Settings

Choose the Child Account you wish to amend

Choose Xbox One/Windows 10 Online Safety

Adjust the following:

You can play with people outside of Xbox Live: Allow (not sure if this is needed, but as Minecraft is cross-platform I adjusted this)

You can create and join clubs: ALLOW

You can join multiplayer games: Allow

It may be privacy settings go to settings - account - privacy and online safety - xbox live privacy - custom - view details & customise - communication & multiplayer - you can join multiplayer games - allow

This may be redundant to ask, but have you Selected Xbox One/Windows 10 Online Safety tab to 'Allow' playing Multiplayer matches? You'll be looking for something similar to

this within your account settings.

To do this on Xbox:

Go to settings --> Online Safety & family --> Privacy & Online Safety --> Xbox Live Privacy --> View details & customize --> Communication & multiplayer --> Set "You can join multiplayer games" to "Allow."

Hello @TheUniesLeader!

If you have your settings set to block joining multiplayer games, you can’t join any multiplayer games in Minecraft, including shared local worlds, Realms or servers. To enable multiplayer in Minecraft, make sure this setting is set to ‘Allow.’

For further assistance, please check Manage Xbox online safety and privacy settings | Xbox Support and Troubleshoot changing online safety or privacy settings on Xbox | Xbox Support articles.

Have you tried checking https://www.xbox.com/en-US/ then settings after that go to Xbox One/Windows 10 Online Safety, then Allow joining multiplayer games. If you still can't access the privacy and online safety, I suggest using another Browser.