It arrives without being asked. It's charged. The exact phrase to refuse it without incident.
In virtually every Cretan taverna, a bread basket arrives automatically. It's not a gift — it's the cover charge (kouvér), billed at €0.80 to €2 per person. The phrase to decline: 'Efcharistó, allá den tróme psomí' — Thank you, but we don't eat bread.
If the bread is already on the table when you arrive and you haven't touched it, ask for it to be removed from the bill — 'Boró na to afairésoume apó to logariasó?'