Lefteris Dude, I agree with you and assist, and as we observe and the site of our friend Tsigouni (with the amazing work he has done - and I stress this again), the Bank KEDR BANK is the only bank that we offer the best forward rates than all others. The latest information I have, I know that in 2010 will open another branch in Greece (from a total of four permits has taken on Greek territory) even her second branch will open in Thessaloniki. But I do not know exactly when! My friend, who last month "closed" a monetary amount on KEDR BANK (Athens), was perfectly happy and satisfied. I believe that like other banks are just so reliable (and perhaps more reliable than others, according to what their friends write on this website, and personally thank you for informing us through personal experience!) . However, my estimate is that to open a time deposit in the Bank (and perhaps in all other general) requires the physical presence of the applicant, given that the latter should be signed before the authorized official of the Bank all relevant papers. The best thing you can do in my opinion, is to come on the phone with KEDR BANK for being 100% sure about what applies to solutions you have any questions. Sincerely, P. Stewart