On what basis are you able to change our agreement and merge?

Merger is a process when one company (in this case Revolut Payments UAB) is merged into another company (in this case into Revolut Bank UAB) following the steps and procedures established under the Lithuanian laws. It also serves as a ground to transfer all assets, rights, liabilities, employees, customers and any other items comprising Revolut Payments UAB business to Revolut Bank UAB. Moreover, our Personal T&Cs allow us to merge Revolut Payments UAB to another entity as per Section 33 "Our right to transfer and assign".