@DanFUTJames this is not a solution, this is not even a workaround. I have tried using an EA account with a teen DOB and a PS child account and this does not work. It is in no parent's interests to create a 13+ PS account for a child as this removes parental restriction setings which a parent would otherwise want to set on a child account.
The game is PEGI-3 rated so should be able to be launched by everyone 3yrs old or older, it is not possible to even launch the game on PS4 unless your age rating is set to 12+ (I don't want my child to have permanent access to 12+ games yet)
A child PS account cannot be granted access to play FC24 online (UT, Seasons, etc) whatsoever, even if all parental restrictions are temporarily removed completely, despite EA telling us that they follow the parental control settings configured on the console.