1. Member States shall ensure that a payment account with basic features includes the following services:
(a) services enabling all the operations required for the opening, operating and closing of a payment account;
(b) services enabling funds to be placed in a payment account;
(c) services enabling cash withdrawals within the Union from a payment account at the counter or at automated teller machines during or outside the credit institution's opening hours;
(d) execution of the following payment transactions within the Union:
(ii) payment transactions through a payment card, including online payments;
(iii) credit transfers, including standing orders, at, where available, terminals and counters and via the online facilities of the credit institution.
The services listed in points (a) to (d) of the first subparagraph shall be offered by credit institutions to the extent that they already offer them to consumers holding payment accounts other than a payment account w
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