The Pros and Cons of Using a Money Belt While Traveling

Safety Precautions, Travel Tips By Jun 28, 2023 No Comments

Traveling can be an incredible experience, and it’s important to keep your valuables safe while you’re on the go. One popular way of doing this is through the use of a Money belt. However, like anything, there are pros and cons to using one. In this article, we’ll explore both so you can decide if a money belt is right for you.

First, let’s define what a Money belt is. At its most basic, a money belt is a wearable pouch that is worn close to the body to keep valuables safe. They come in a variety of styles and can be worn around the waist, neck, or even under clothing. While they aren’t a foolproof way to prevent theft, they can provide an added layer of security.

Now that we’ve covered the basics, let’s dive into the advantages and disadvantages of using a Money belt.

A money belt can be a useful tool for travelers looking to keep their valuables safe, but it also has its downsides.

What Is a Money Belt?

As we briefly discussed in the introduction, a Money belt is a wearable pouch used to keep valuables safe while traveling. They are typically made from soft materials like cotton or silk and can be worn around the waist, neck, or even ankle. While some are designed to be worn over your clothes, most are meant to be worn under clothing.

Money belts can be especially useful in areas where Pickpocketing is prevalent. They can hold items like cash, passports, and credit cards and keep them safely hidden from view. Additionally, they can add an extra layer of security when staying in shared accommodations like hostels.

However, there are also some downsides to using a money belt that we’ll explore in the next section.

Theft Prevention

Perhaps the most significant advantage of using a Money belt while traveling is the added layer of security they provide. As we mentioned earlier, Pickpocketing is a common issue in many tourist areas. Wearing a money belt makes it more challenging for thieves to steal your valuables, as they would need to physically remove the belt or cut it off of you.

Additionally, many money belts are designed with anti-theft features like slash-proof materials and locking zippers. These can further deter would-be thieves and prevent theft.


While money belts can certainly help keep your valuables safe, they aren’t always the most comfortable option. Wearing a pouch close to your body for an extended period can lead to sweating and irritation. Additionally, some people find the feeling of something around their waist or neck to be restrictive or uncomfortable.

For these reasons, it’s essential to try on different styles of money belts before your trip to find one that works for you. It’s also a good idea to take breaks from wearing the belt periodically to give your skin a chance to breathe.

Accessing Your Valuables

Another potential downside of using a Money belt is the inconvenience of accessing your valuables. Depending on the style of belt you choose, accessing your cash, passport, or credit card may require lifting up your shirt or removing the belt entirely. This can be especially frustrating when trying to speedily navigate airports or public transportation.

To mitigate this issue, some people choose to carry a small amount of cash separately from their money belt so that they can access it more easily. Others opt for a model that includes external pockets for quick access to items like phones and keys. It’s up to you to decide what style works best for your travel style.

The Pros of Using a Money Belt While Traveling

Now that we’ve discussed what a Money belt is let’s dive into the benefits of using one while traveling.

First and foremost, a money belt can help keep your cash, credit cards, and passport safe from theft. By wearing a pouch close to your body, you can make it more challenging for pickpockets to steal your valuables. This can help you feel more secure while exploring new areas and reduce the risk of losing essential items.

Additionally, money belts can be an excellent option when traveling to areas with a high risk of theft. For example, if you’re planning to visit a city known for Pickpocketing, wearing a money belt can give you peace of mind. They can also be useful when staying in shared accommodations like hostels where you may not have access to a secure safe or lockbox.

Overall, the pros of using a money belt predominantly focus on increased security and peace of mind.

The Pros of Using a Money Belt While Traveling

The Ability to Travel Light

One unexpected perk of using a Money belt is the ability to travel light. By keeping your valuables in a money belt, you can leave your heavy purse or backpack behind and enjoy a more streamlined travel experience. This can be especially useful when exploring areas where you need to be able to move quickly or don’t want to carry a lot of weight.

Additionally, money belts are typically thin and lightweight, making them easy to pack. Many models can also be folded or rolled up when not in use to save space in your luggage.


Another benefit of using a Money belt is their versatility. They come in a variety of styles and can be worn in several ways, making them a suitable option for virtually any traveler. Whether you prefer to wear your belt around your waist, neck, or ankle, or under or over your clothes, there’s a style of money belt that will work for you.

This versatility also means that you can choose a model that matches your personal style. Whether you’re looking for something sporty or sleek, you’re sure to find a money belt that fits your needs.

Peace of Mind

Finally, one of the most significant pros of using a Money belt is the peace of mind they provide. By knowing that your valuables are safely stashed away, you can focus on enjoying your travels rather than worrying about theft. This peace of mind is especially useful for solo travelers or those who are traveling to unfamiliar areas.

Overall, if you’re looking for a way to keep your valuables safe and reduce the risk of theft while traveling, a money belt is a practical option to consider.

Common Mistakes to Avoid When Using a Money Belt

While a Money belt can be an effective tool for keeping your valuables safe, there are still some common mistakes that travelers make when using them. By avoiding these mistakes, you can ensure that your money belt is working as intended and keep your belongings secure.

One mistake is wearing your money belt outside of your clothes. While this may seem like an easy way to access your belongings, it also makes it obvious to potential thieves where you’re keeping your valuables. Instead, wear your money belt underneath your clothes where it’s less visible.

Another mistake is overpacking your money belt. Remember, the point of a money belt is to keep your essentials safe, not to carry everything you own. Only pack what’s necessary and leave the rest in your hotel room.

Finally, don’t forget to actually use your money belt! It’s easy to get complacent and forget to put your belongings inside, but that defeats the purpose of having one in the first place.

Underestimated Importance of a Money Belt

One of the biggest mistakes travelers make is underestimating the importance of a Money belt. Even if you’re traveling in a relatively safe area, there’s always a chance of pickpockets or theft. A money belt provides an extra layer of protection, and it’s worth taking the time to use one.

It’s also important to remember that a money belt isn’t just for cash. Your passport and other important documents can be just as valuable, if not more so. Keep everything in your money belt to ensure it’s all in one place and easily accessible.

Finally, don’t forget to wear your money belt at all times. Even if you’re just stepping out for a quick bite to eat, it’s still important to have your valuables close by.

When Using a Money Belt Is Not Necessary

While a Money belt can be a useful tool, it’s not always necessary. In some cases, it may be more of a hassle than a help.

For example, if you’re staying at a resort where you won’t be leaving the grounds, you may not need a money belt. Similarly, some cities are relatively safe and don’t require the extra security.

Ultimately, the decision to use a money belt should be based on your own comfort level and the environment you’ll be traveling in. Just remember to always keep your valuables safe and secure, no matter how you choose to do so.

When Using a Money Belt Is Not Necessary

Alternative Ways to Keep Your Valuables Safe While Traveling

If you decide that a Money belt isn’t right for you, there are still plenty of other ways to keep your valuables safe while traveling.

One option is to use a theft-proof bag or backpack. These bags have features like cut-proof fabric and locking zippers to deter would-be thieves.

You can also divide your belongings between different pockets and compartments. This way, even if one item is stolen, you still have others that are safe.

Finally, don’t forget the power of common sense. Be aware of your surroundings, avoid crowds and busy areas, and never leave your belongings unattended.

Frequently Asked Questions (FAQ)

  • What is a money belt?

    A money belt is a small, discreet wallet that can be worn around the waist under clothing to keep money and other valuables safe while traveling.

  • What are the pros of using a money belt while traveling?

    The pros of using a money belt include keeping your valuables safe and secure, preventing pickpocketing, and giving you peace of mind while traveling.

  • What are common mistakes to avoid when using a money belt?

    Common mistakes to avoid when using a money belt include wearing it visibly, overloading it with too many items, and forgetting to regularly check and re-organize its contents.

  • When is using a money belt not necessary?

    Using a money belt may not be necessary in situations where you feel comfortable leaving your valuables in a secured location, or if you are traveling in a location where theft is not as common.

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