How to access a microSD card?

Hi,

I'm using the Keil MCBSTM32EXL board with the STM32F103ZG micro controller. On this board there is a microSD card holder connected to the uC. I would like to use this feature writing and reading a microSD card. I browsed the Internet, read datasheets e.t.c. It seems there are two modes of operation: SD and SPI. SD is the fastest. First I would like to communicatie SD. If this is no option then I would like to use SPI. I read something about non-closure agreements and back engineerd drivers.

My simply (newbie) question is this:

What do I practically need to communicate with the microSD card?

thanks,

Henk