This is the reply I received from EA help:
Game Access: If you pre-order FC26 on your adult PlayStation account and set that account as the primary on your PS5, your child account will be able to play FC26. This is thanks to game sharing rules on PlayStation. Pre-Order Rewards (FC26 and FC25): The pre-order rewards—including both those for FC26 and the bonus FC25 items given as part of the FC26 pre-order—are typically only granted to the account that purchases the game. This means the bonus items (such as Ultimate Team packs, ICON players, Evolutions, etc.) will only be available on the adult account that made the purchase, and not automatically available on your child’s account.
