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I purchased this for a trip to China. It wasn't the most comfortable thing to wear, but I'm sure it was as comfortable as it could be. Not a lot fits in it. I was able to fold into 4's (half and then half again) about 5 bank notes. It cannot hold a large amount of money or be accessed easily in public, so this would be for a bit of "emergency money". My partner used a money belt (the kind that looks like a normal belt, not the under-clothes waist pouch), which held a lot more, was less noticeable/obvious as to it's purpose and had the same public access awkwardness. I would probably choose to go that route next time. I'm fairly chesty and with a loose t-shirt or sweater the pouch was not visible. I did tuck the pouch under my underwire to make it less visible with tighter-fitting tops. It's good in theory for peace of mind, but I wouldn't purchase again in favour of using the money belt - the exception being if I were wearing leggings or a dress that day.
I’ve used this on several trips and outings. The material doesn’t make me sweat as another popular brand worn on the band often does, a big plus. The strap is too short to be able to secure it to the bra band. This has turned out to be a big negative for me. I wear it secured to the bra strap in the front and it’s noticeable no matter what top I wear. I’ve tried tucking it into my bra, but it manages to work itself out and is sometimes visible to whoever depending on my top. If you wore a sweatshirt or pullover sweater, then no problem. I really wish this came with a much longer strap!