This is a great pouch. We haven't used it in the real world yet, but practicing around the house it feels comfortable and works either around the neck or around the waist. I love the different compartments and can easily fit my phone, a passport, a few credit cards, money, and don't feel that it stretches the capacity of the pouch. This is a great size to carry these items for 1 or 2 people. The zippers slide smoothly and I'm very happy with the quality of the material.

Update 6/18/18: We took this pouch on a 10 day trip to Europe. I wore one and my Dad wore one. My Dad wore his around his neck and under his shirt - he looked comfortable and you could not tell he had it on under his shirt. This is the ideal way for men to wear it. He felt very secure about carrying money/id in it and I feel like we avoided issues because it was concealed. It was easy for him to pull the pouch out when he needed something, and the lanyard was comfortable around his neck. I wore mine around my waist. I found that when I tried to wear it around my neck, it was visible under my shirt. I think women will be more comfortable wearing it around their waist. It was very comfortable that way, lanyard easily expanded to fit waist vs. neck and the pouch slid right into the waistband of my jeans without issue. I barely knew it was there when I was wearing it, and again felt very secure. You could not tell it was on me - of course all my tops cover my waist, it would be visible for a woman wearing a shorter top. It was very easy to get in and out of, and never chafed or bothered me in any way. We love these and still feel they are an excellent choice after near constant wear on a very active trip.