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Do You Pay for PSN on PS4? Account Is Free—Online Multiplayer Requires Plus

Creating and using a PlayStation Network (PSN) account is completely free on PS4. You need an account to access online features, but there's no subscription fee just to have one.

Paid Services Associated with PSN

Item	Cost
PSN Account	Free
Online Multiplayer (most paid games)	Requires PlayStation Plus (Paid)
Free-to-Play Online (Fortnite, Apex, etc.)	Free (No PS Plus needed)
Cloud Saves	Requires PS Plus (Paid)
Buying Games/DLC	Per-item cost (Free account needed)
PlayStation Store Purchases	Per-item cost
PlayStation Plus (Essential/Extra/Premium)	Monthly/quarterly/yearly subscription

What PlayStation Plus Gives You

Online multiplayer in most paid games
Monthly downloadable games (added to library while subscribed)
100 GB cloud storage for save files
Exclusive PlayStation Store discounts
Share Play (let a friend view/control your game remotely)

Summary

Account = free. Online multiplayer (mostly) = paid. Free-to-play = free online. Everything else is à la carte.

PS2 Games