Customers holding a basic bank account may acquire other banking products or services, such as time deposits, savings accounts, interbank transfers not included in the package (for example, carried out through the branches of credit institutions) and credit products. These services are, however, subject to the charges provided for in the price list of credit institutions.

Credit institutions may not make available overdraft facilities or tacitly allow the account to be moved beyond its balance (overrunning) to customers of basic bank accounts. The prohibition of credit overruns is not applicable to debit card transactions, in which case credit institutions may allow the movement of the basic bank accounts beyond their balance to make certain payments with the debit card.