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My wife and I wore both the neck pouch and the waist belt. Our passports fit perfectly in the neck pouch, which made access easier in case any of the foreign authorities needed to see it. The neck pouch could also hold some cash.
The plus with the waist puch, and I don't mean a fanny pack, is that it sat perfectly at out belt line, thus almost not noticeable. That is where kept the large majority of our "new" money, so that it would stay flatter and would not have to be folded.
My suggestion, get both.
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