Cannot create new Apple account for 13yr old daughter

As she is 13, you might need to set up an account for her via family sharing

Children under 13 can't create an Apple ID on their own. (This age varies by region.) But if you're the family organizer or a guardian, you can create an Apple ID for your child.

On your iPhone, iPad, or iPod touch

To verify that you're an adult, you need a credit card. On your iPhone, you can also use a driver's license or state ID added to Wallet where available.

In iOS 16 or iPadOS 16 or later

1. Go to Settings > Family. 
2. Tap the Add Member button .
3. Tap Create Child Account, then tap Continue.
4. Enter the child's name and birth date. Be sure to enter the correct birth date — you can't change it later.
5. Follow the onscreen instructions to finish setting up the account. For your child's Apple ID, you can use their email address, the suggested @icloud.com address, or their Game Center nickname. 

Hello GarageB,

This first document is how to create an adult account. Make sure you follow all the details.

How to create a new Apple ID - Apple Support

In general the age restriction for an adult account is below 13, and you say you daughter is 13 so she should be okay with an adult account. However, there is some variation according to country so you will have to use the information in the links below if what you need to set up is indeed a child account:

Create an Apple ID for your child - Apple Support

Once you have an account created you may find the information in this document handy for her new holiday gift.

Help your child set up an iPhone, iPad, or iPod touch - Apple Support

Even if she is technically an adult now, you may still want to use features such as parental controls (notably Screen Time) and Ask To Buy (both linked in the setup document).