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EA has offered an explanation for why not all your FIFA 21 progress transfers from current-gen to next gen.
EA is using a system called Dual Entitlement to offer free next-gen upgrades. It means you can upgrade your copy of FIFA 21 on PS4 to PS5, or from Xbox One to Xbox Series X at no extra cost.
This is good news, of course, given some publishers are not offering a free next-gen upgrade. However, it's worth noting that not all your FIFA 21 progress will transfer from current-gen to next-gen.