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Based on my personal experience researching and evaluating brokers, I found that the minimum deposit required to open a basic savings account with PNB is PHP 3,000. However, it's critical to clarify that PNB, while it offers a foreign currency account and various investment options, is fundamentally a traditional banking institution rather than a specialized forex broker. There is no explicit mention of a dedicated live trading or forex account structure, typical trading platforms, or margin/leverage framework associated with specialized online brokers. In practical terms, the minimum deposit of PHP 3,000 relates to gaining access to their standard banking services, not to initiating live forex trading with tools or features tailored for active traders. More importantly, my due diligence revealed the absence of regulation by local or international financial authorities, which significantly increases the risk profile for anyone considering PNB for live trading activities. For me, this lack of regulatory oversight is a major concern, and I would approach any product or service described as “live trading” at PNB with the utmost caution, especially since the minimum deposit only guarantees access to a bank account—not a proper, regulated trading environment.