4 pockets! Or 3 and one zipper that has two card sections, I use the clear ID part for my badge at work and Im able to get thru without having to take it out. I use the vertical pocket for dollar bills, the bottom zipper for change and the top zipper for my 2 IDs and maybe 8 cards (debit, HSA, credit, insurance etc) still smaller than every other wallet targeted to women.