A method, a memory data carrier (30) as well as a terminal (10) are proposed for accessing a portable memory data carrier (30) having a standardized memory element (34) and an additional module (40). The method permits a data transmission selectively to the memory element (34) or to the additional module (40). According to the method application data intended for the additional module (40) are generated, routing information for the application data, with information about the application data, is generated and added to the application data (108), the resulting data stream is embedded in data blocks according to a transmission protocol adapted to the memory element (34) and transmitted, it is determined by the memory data carrier (30) whether a received data block contains routing information, and the data contained in the data block are routed to the additional module (40) if the data block contains routing information.