I like this one. It's a bit more complex than the one I use at home. I usually carry only a basic one with a credit card, license, ccw, and that's about it. The pacsafe can carry all my currencies when abroad, but the handiest feature besides the security is the zippered pocket on the outside. It provides for quick access to subway/metro cards. I put a pasmo card in it in Japan and never worried about trying to dig out my card, like my family members. I just slid my wallet across the machiine and I was on my way. I have an older version of this wallet and can't really comment on this version's durability or antitheft capabilities, but mine was just fine. I'd rather have a bifold than a trifold, but that's a personal preference.