Moneybelts should NOT be "convenient-to-access". That's the whole point of having them. I put my passport, my debit cards and any large bills in it. I don't access it unless I am in my hotel room or locked in a toilet stall.

I keep a little money in my handbag and my coins loose in a pocket, easy to access.

I also have a neck-pouch. It's a bit more visible than a moneybelt (unless it's winter). It's also easier to access. I use it on travel days when I know I will need to show my passport. I can haul it up and show the passport, then put it away again. Sometimes I also keep a debit card in the pouch, if I know I'm going to need to get money from an ATM. Then I put the money in the neck-pouch until I can find a toilet stall where I can transfer larger sums to my moneybelt. I still don't access the moneybelt in public, only the neck-pouch.

If I want to give a coin to a street performer or buy a cheap waterbottle I can take a coin from my pocket without getting into my moneybelt or my handbag. If a pickpocket sees where I have my coins and takes them, well it's usually no more than ten Euro and I can survive that loss. I have a bit more money in the handbag, but it's less than a hundred Euro. That would be more painful to lose, but not a total disaster.

I should have added that I use a moneybelt when traveling in Europe, worn in the back under my clothes, for "deep" storage, NEVER accessed when "out and about" except in private.

travelsolo2: >>Moneybelts should NOT be "convenient-to-access"<<

Bingo.

I used to use a money belt like you do worn in the traditional way at the bak. But not for the last 20 years. I have a neck pouch with a toggle on the strap so I can wear it around my waist and the pouch lies flat behind my front pocket. Not at all visible and much more comfortable than either a money belt at the back or a pouch around the neck. Similar to this one - https://www.target.com/p/travelon-17...t_adv_xasd0002

Weird -- the link first showed as above but when I added a sentence it went crazy.

So . . . If you extend the strap out full length and slip it over your shoulders, you can cinch it around your waist. Mine is a bit smaller but still plenty large enough for passport, cards, whatever . . .