Once you have joined the school or business you would like to transact with go to 'accounts' and double click on 'no card.' Then under 'general' complete your details including your name and surname and set the low balance for your current account.
The next step is to link the student card to your current parent account. Click on 'link card' and fill in the students name and surname in the right hand block. Then click 'link' card.'