Destiny 2 cross save makes playing with friends on other platforms totally painless, and it's fairly easy to set up. Remember, Destiny 2 doesn't have cross-platform matchmaking, so you can't play with your PS4 friends while you're on Xbox. However, once you have cross save configured, you could easily log in to your Destiny 2 account on PS4 and play with your buddies there. It's the second-best option behind cross-platform multiplayer, basically, and it's something Destiny has needed for years. All that being said, here's a simple, step-by-step process for setting up Destiny 2 cross save.
How do I set up Destiny 2 cross save?
Head to Bungie's official Destiny 2 cross save page and click "Get Started" to begin the process. First, you'll need to authenticate your PSN, XBL, Battle.net and/or Steam accounts. Yes, if you've already signed up for the Destiny 2 Steam move, you'll need to authenticate it as well. If you haven't, go do that!
Next, select your active characters. These are the characters that will be shared and playable via cross play, so if you play on multiple platforms, choose your favorite and most-up-to-date Guardians. Confirm your active characters to continue.
Finally, review your cross save setup to confirm you have the correct characters selected, and that all of your Destiny 2 content licenses (read: DLCs) are registering correctly. These will show up as entitlements for the platforms you've selected. From here, simply finalize your setup and you're good to go. You'll be able to sign into this shared account and use your favorite Guardians on any of the platforms you play on.
You can find more information on disabling cross save and purchasing DLC on different platforms below.
What platforms are supported?
Destiny 2 cross save is available for PS4, Xbox One, PC (Steam), and will also support Google Stadia. Note that you aren't moving your account from one platform to another, you're just allowing it to be used on other platforms. If you mainly play on PC but you'd also like to join some friends on PS4, you'll be able to play on PC and PS4 after you set up cross save.
Will I need to buy DLCs multiple times?
In order to access Destiny 2 content on multiple platforms, you'll need to own the relevant DLCs on those platforms. So yes, you will need to buy DLCs like Forsaken and Shadowkeep multiple times in order to play them on the platforms you link using cross save.
Fortunately, thanks to the Destiny 2 free to play version, Year One content and basic activities like Crucible and patrol zones will be free on all platforms. This will enable players to try out cross save without buying anything. But if you want to access new Exotics, story content, DLC raids or the like on another platform, you'll need to buy that DLC again. The good news is that everything pre-Shadowkeep can now be purchased for $40, and starting with Shadowkeep DLCs will be available on an a la carte, standalone basis.
Likewise, Bungie confirmed that "just like the game content that you acquired for one specific platform, Silver must be spent on the platform it was purchased." In other words, while Eververse items will transfer between platforms, the Silver itself will not.
What about platform-exclusive content?
As Destiny director Luke Smith explained during the Shadowkeep reveal, Destiny 2 won't have any more timed- or platform-exclusive content going forward, in no small part to ensure that cross save works smoothly.
"We've had exclusive activities, exclusive weapons, things like that, and those things violate the single evolving world," Smith said at the time. "We want to remove those barriers, so beginning this fall and going forward, there's no more exclusive activities, exclusive Exotic weapons, we're not doing any of that stuff going forward."
Additionally, once the timer on the current PS4 exclusives expires this September, that content will become available on all platforms. This includes three armor sets, a ship, the Wavesplitter Exotic Trace Rifle, and the Broodhold Strike.
Can I disable cross save?
Yes. If you want to revisit some old Guardians on another account, you can deactivate cross save. However, you'll have to wait 90 days to re-enable cross save if you choose to disable it.
What about my Clan?
The account you register for Destiny 2 cross save can only be in one Clan. Naturally, you'll only be able to play with clanmates on your current platform, but you won't need to find or create multiple Clans. Additionally, Bungie says that "as you move from one platform to another, you’ll be able to make progress on your clan objectives wherever you play."