Estate planning as a Bungie account holder

A Bungie.net account is the hub for playing Destiny 2 and for Cross Save, which lets a player unify one set of characters across PlayStation, Xbox, Steam, and Epic under a single Active Account. Bungie has been a Sony Interactive Entertainment subsidiary since 2022. The Bungie.net account itself ties the platforms together, but the paid Destiny 2 content (expansions and DLC licenses) and Silver virtual currency are entitlements that live on the underlying platform store accounts and are platform-bound. Bungie licenses its software rather than selling it, the license is personal and non-transferable, and Bungie does not transfer or merge accounts.

Under Bungie's terms, game content are not property of the account holder and are forfeited when the account closes at death. No estate planning document—will, trust, or otherwise—can override this forfeiture.

What happens at death

Bungie's Limited Software License Agreement grants a non-exclusive, personal, non-transferable, limited license to use the Program, and states the Program is licensed, not sold, conferring no title or ownership in the software or any digital content. Bungie may terminate the license, and any use in violation of the license limitations terminates it immediately. Bungie also states it cannot transfer or merge accounts and does not transfer items or characters between platform accounts. Because the license is personal and non-transferable, a Bungie.net account and its in-game progress are not inheritable assets, and Bungie publishes no deceased-account form or estate process. Bungie has been a Sony Interactive Entertainment (SIE) subsidiary since 2022, and that did not change the position: the license terms are unchanged and there is still no deceased-user path at Bungie. What the SIE relationship does affect is where the value sits and who handles it — Bungie's privacy policy has SIE and the Sony Group sharing user data, the online service is sublicensed to US users by Sony Interactive Entertainment America, and purchases made on a PlayStation product are subject to Sony's Network Terms of Service. The estate-relevant nuance is that Destiny 2 purchases are platform-store entitlements: expansion and DLC licenses are tied to the platform they were bought on and, per Bungie, do not transfer between platforms even with Cross Save, and Silver is bound to the Destiny account and the Destiny release that purchased it and cannot be transferred or gifted. Bungie does not itself process refunds — refunds are issued by the platform marketplace, and Bungie states it does not provide Silver refunds or transfers for any Destiny release. So while there is no path to transfer the Bungie.net account or its licenses to an heir, any future access to the paid content runs through the deceased's underlying PlayStation, Xbox, Steam, or Epic store account, each of which has its own deceased-user policy.

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