So that you can play Forza Horizon 5 on PlayStation 5, a Microsoft account is absolutely duty!
Without a Microsoft account and its link to the PlayStation Network, playing forza Horizon 5 is not possible.
Playground Games has announced this bond in a new FAQ. It says:
Q: Do I need a Microsoft account to play Forza Horizon 5 on PlayStation 5?
A: Yes, in addition to a PSN account, you have to connect to a Microsoft account in order to be able to play Forza Horizon 5 on PS5. This process begins when you start the game on your console for the first time.
If you don't have a Microsoft account, you can quickly and free invest.



