$re = '/\b(?:Saldo|Total)\s(?!0[.,]00\b)\d{1,3}(?:,\d{3})*\.\d\d\b/m';
$str = '1.214,41
4,431.43
143,134.43
355.352,41
443,113,134.43
365.115.352,41
Total 341,431.43
Saldo 0.00
Saldo 0,00
Total 1,431.43
Total 0,00
Saldo 0.60';
preg_match_all($re, $str, $matches, PREG_SET_ORDER, 0);
// Print the entire match result
var_dump($matches);
Please keep in mind that these code samples are automatically generated and are not guaranteed to work. If you find any syntax errors, feel free to submit a bug report. For a full regex reference for PHP, please visit: http://php.net/manual/en/ref.pcre.php