A major update to Destiny 2, centered around the upcoming Shadowkeep expansion, is going to shake things up a fair bit. Today, Bungie detailed specifics on how one big feature—Cross Save—is going to roll out in the coming weeks.
Starting on August 20, you'll be able to start the process of linking your PC player accounts as Destiny 2 prepares for arrival on Steam. It'll go live on the "PC Move" page, and should ensure a smooth transition of both your Guardian and your in-game purchases.
Then, on August 21, Cross Save launches. The details are a little tricky, but one specific wrinkle is that you'll only be able to choose one Active Account. If you have several accounts with different Guardians, you'll have to make a choice about which one to bring forward into the new system as the Active Account. Per Bungie's FAQ:
Can I use Cross Save to merge Guardians or Collections on different platforms?
No. Cross Save will enable you to link accounts you use to play games on separate platforms and then designate one of them as your Active Account. From that point forward, the Guardians on that account will the characters you use to play on all linked platforms. We built the feature envisioning this as a decision you will make once.
Previous in-game purchases also do not transfer over to other platforms. So, for example, if you buy Silver—Destiny's premium currency—on PlayStation, that Silver balance won't transfer to Steam. This is also specifically not cross-play; rather, it allows you to migrate between platform ecosystems while keeping the same Guardian. You can play one Guardian on the Xbox and then hop over to the Stadia with those players, but you won't encounter Xbox players as a Stadia player.
This is part of a gradual roll-out leading up to the October 1 release of Shadowkeep, which got pushed back from September recently to give it a "bit more time in the oven." Launching with Shadowkeep is New Light, a revamp of Destiny 2's core that includes a big move to free-to-play. So while you'll have to pick your favorite Guardian if you've got several different accounts across various platforms, you will soon be able to move that Guardian across all the platforms, and experience at least the base content with whoever plays on them. Seems like a fair enough compromise.