Update to T&Cs again

What exactly does that mean? Which payments/transactions? Can this be disabled?
Can/will you take money from a saving vault (same currency) instead/as well?
Can I cancel my metal subscription/my account for free because of this change?

If you say, have a credit card but didn’t pay the balance but had money in a currency account of any kind, they can use those funds to pay off your credit balance as it’s all under the same business unit.

It’s very common for this type of agreement to be in place for most banks, certainly here in the UK.

They wouldn’t take it right away, they’d need to follow their collections process first and this is generally last resort.

So yes, it can include vaults (revolut vaults, not sure on those held with another bank).