Hi there. Accounts cannot be merged or transferred. That is not a service offered by Bungie or Sony.
If you want to use a different PSN account with Cross Save, you would need to disable Cross Save, unlink the PS4 account from your profile, link your PS5 account, and wait the mandatory 90-day cross save security cooldown before you can activate Cross Save again with your desired PS5 account.
To learn more, read the [url=https://help.bungie.net/hc/en-us/articles/360049498031-Destiny-2-Cross-Save-Guide]Cross Save Guide[/url].
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I see, that means that I wont be able to play for 2 months time till I can tranfer is to my PS5 again. (I sold my RTX3080 a long time ago sadly so I cant run it on PC) Thanks for your advice.