A vertical zipper on the right side and one on the left allowed me to keep apart the two currencies I was using. In the central compartment I kept my passport and American dollars. After a while I moved my credit card into the neck wallet as well, leaving only larger items such as sunglasses and cell phone in my shoulder bag, and enough cash to pay for a meal.
  The other use for this neck wallet became apparent to me when I returned home. Instead of taking out the passport, I left it in place and added cash that was set aside for emergencies. Now, if I have to exit the house in a hurry I can grab the neck wallet in an instant and leave my hands free.