The relationships between the effective surface temperature T-eff and
the internal temperature T-b of nonmagnetized neutron stars with and w
ithout accreted envelopes are calculated for T-eff > 5 x 10(4) K. We u
se updated equations of state and radiative opacities, and we improve
considerably the electron conductive opacity. We examine various model
s of accreted layers (H, He, C, and O subshells produced by nuclear bu
rning of accreted matter). The resulting T-eff-T-b relationship is rem
arkably insensitive to the details of the models and depends mainly on
the accreted mass Delta M. For T-eff > 10(5) K, the accreted matter i
s generally more heat transparent. Even a small accreted mass (Delta M
greater than or similar to 10(-13) M.) affects appreciably the coolin
g of a neutron star, leading to higher T-eff at the neutrino cooling s
tage and to lower T-eff at the subsequent photon stage. We illustrate
this by simulating the standard cooling of neutron stars. The presence
of accreted matter yields better agreement of our model cooling curve
s with the blackbody fits to the ROSAT spectral observations of coolin
g neutron stars, without invoking quark matter or superfluidity in the
neutron star cores.