At first, it seemed hard to adjust the belt. Then, I saw the piece to unlock it and after a little adjusting, it fit perfectly over and under my shirt. You cannot tell that my Samsung S7 w/case is inside of it. I did not care too much for the elastic pouch in the back, but was able to slide two one dollar bills folded into it. Not too crazy about the dog logo since there are too many dog owners in the areas of Arlington, VA, etc. They have replaced children! I did meet a small very cute tan poodle on elevator that loved me, since they are usually distant to strangers. I guess it is mainly the cards that have RFID and not the pouch itself. I don't rely on them since I do not have a machine to check them out. I prefer to carry my one(1) credit card over debit because it will be easier and quicker to get my monies back if stolen like in the past. So, I highly recommend this money belt, especially since my last two of a different style/purpose were failures. I can stop carrying my thicker card protector case for a while. PS: I love the brown color since it is my favorite color that is hard to find in shirts, etc.