I kept my credit cards on one side and Euros / Francs on the other side - with passports and train tickets in the middle.

While I loved using it - there are a couple of things that (in my opinion) need to change.

1.  It's not long/tall enough for train tickets or boarding passes to completely fit - they have to be folded about an inch or so to fit in the pocket.

2.  The zippers on the side panels need to be of a sturdier quality.  I had to return one because the zipper stuck and this one almost did too - but I managed to fix it while on the road.

But, really, this works very well - I carried it every day, all day, for 2 weeks under my clothes - never lost a dime to thieves in Europe.