I have used a wallet of identical style to this one for many years and was thrilled to find this one now being sold.  Ordered it, am using it, love it!  I use the small zip pocket inside for subway tokens, and there is room inside for bills and credit cards.  There is an outside pocket for receipts or a credit card--I often stick my train ticket in there.  The important point is, though, that it can be clipped to the badge chain around my neck.  I just needed to add a caribiner.  So the wallet can move quickly from my pocket (in scarier areas) to my neck chain (on trains, if I feel safe and have a train ticket that I need access to).  And this one is pretty and seems very well made.  Perfect for me, and worth what it costs.