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As an experienced forex trader, I approach questions about banking operations with careful scrutiny, especially when regulatory clarity is lacking. After reviewing the information available on PNB, I found that while they provide a detailed breakdown of various account types, services, and their associated transaction fees, they do not specifically disclose a minimum withdrawal amount per transaction. In my experience, Philippine banks typically set very modest or no formal minimums for over-the-counter withdrawals, but limits can be influenced by account balance requirements and potential service fees. For PNB, I see a range of withdrawal-related fees, like ₱200 for interbranch withdrawals and higher charges for transactions involving foreign currency or international ATMs. The maintenance penalty is also clearly stated, so maintaining required balances is crucial. Given PNB is not regulated by the Bangko Sentral ng Pilipinas or any widely recognized regulatory body, I remain cautious—especially since specific withdrawal policies may not be consistently enforced or publicly detailed. To avoid unexpected issues, I would recommend personally verifying withdrawal minimums directly with PNB, through their customer service channels, before making any transaction. This conservative approach is necessary given the lack of regulation and the potential for shifting policies. For me, clear communication with the bank is key to avoiding surprises and managing risk responsibly.