I am sorry to read that the other review for this item was so poor because I purchased this same money belt and absolutely love it.  I used it daily on a trip to Europe and on two trips to Mexico.  I LOVE it because you wear it under your clothes and the side that is next to your skin is very soft and it is not bulky, so it is not noticeable. Mine is of very good quality. In fact, I just pulled mine out of the drawer to check it out as I am getting ready for another European trip and it is still in excellent condition.