My major values (spare credit card, majority of cash and passport)were safe from pickpockets and purse snatchers! I was able to wear it around my waist and lower under my jeans - it was a great buy since I was traveling out of the hotel and between hotels for most of my trip abroad and I wanted to make sure I lost nothing important like the passport!
I got the nude and you couldn't tell that I was wearing it even with a white button down - great buy! It does get a little hot and sweaty if you were it aaaall day while touring, but it is a small price to pay knowing that my valuables are safe!