Traveling often means juggling important documents, cash, cards, and other essentials and keeping them secure is a top priority. Two popular options for safeguarding valuables are neck wallets and money belts. In this article, we’ll break down each option, compare their pros and cons, and help you decide which works best for your travel needs.
What Is a Neck Wallet?
A neck wallet (sometimes called a travel pouch) is a small pouch worn around the neck and tucked under your clothes. It typically has compartments for a passport, cash, credit cards, and sometimes even a phone.
Key Features
Worn under clothing
Easy access to essentials
Lightweight and compact
Usually made with RFID-blocking materials
Pros of a Neck Wallet
Quick Access: Getting to your passport or boarding pass is fast and convenient without having to remove a belt or unzip pants.
Comfortable: Lightweight and generally comfortable to wear for long periods.
Low Profile: Hidden under your shirt, away from prying eyes.
Organization: Multiple compartments help keep items separated and easy to find.
Cons of a Neck Wallet
Visible Lump: Depending on clothing, it may create a noticeable bulge.
Accessibility for Pickpockets (if exposed): If worn outside clothes or in crowds, it can be an easy target.
Limited Space: Usually smaller and can’t hold bulky items.
What Is a Money Belt?
A money belt is a slim pouch that fits around your waist, often under your pants. Designed to be discreet and secure, it usually lies flat against the body.
Key Features
Worn around the waist beneath clothing
Slim and low-profile
Typically zippered
May include RFID-blocking fabric
Pros of a Money Belt
Very Stealthy: Hard for pickpockets to spot or access beneath clothing.
Comfortable for Long Wear: Flat design reduces bulk under your clothes.
Good for Small Items: Keeps essentials like cash, cards, and keys secure.
No Neck Strain: Unlike a neck wallet, there’s no weight around your neck.
Cons of a Money Belt
Harder to Access: You may need privacy to unzip and remove items.
Not Ideal for Large Items: A passport may fit, but larger travel documents may not.
Some Find It Uncomfortable: Some people dislike anything snug around the waist.
Neck Wallet vs. Money Belt: Side-by-Side Comparison
| Feature | Neck Wallet | Money Belt |
|---|---|---|
| Security | ★★★★☆ | ★★★★★ |
| Accessibility | ★★★★★ | ★★★☆☆ |
| Comfort | ★★★★☆ | ★★★★☆ |
| Capacity | ★★★☆☆ | ★★★★☆ |
| Visibility | Hidden under clothes but may bulge | Very low-profile |
Which One Is Better for Your Travel Style?
Best for Frequent Flyers
If you’re constantly pulling out tickets, boarding passes, and passports, a neck wallet may be the better choice. Its easy access and organization save you time at airports and checkpoints.
Best for Backpackers and Urban Travelers
If you plan to be in crowded areas or places where pickpocketing is common, a money belt offers superior stealth and security under your clothes.
Best for Minimalists
Travelers who carry only the essentials and value comfort and lightness might lean toward a neck wallet.
Best for Long-Term Travel
A money belt might be more comfortable for extended wear, especially if you want to leave valuables tucked safely.
Tips for Using Neck Wallets and Money Belts
Hide it well: Always wear these accessories under your clothes to keep them out of sight.
Use RFID protection: Prevent digital theft by choosing products with RFID-blocking materials.
Don’t store everything together: Split cash and cards between two places in case one gets lost or stolen.
Practice access: Familiarize yourself with quickly (and discreetly) accessing your items.
Conclusion
Both neck wallets and money belts have their place in travel security. Your best choice depends on your itinerary, comfort preferences, and security concerns. For ease of access, go with a neck wallet. If maximum discretion and anti-theft protection are priorities, choose a money belt.