I love this! It's so soft and compact that I can wear it under clothing without it being seen. The zip pocket inside is great for keeping small things safe. I use this in conjunction with a rucksack on a day out, so that the things I need easy access to (phone, money) are handy & easily accessible. There's space in there for a bit more too should i need it. The only down side is with it being compact and stuff able, the waist strap is very thin, and the buckle is tiny, so I'm not sure how robust this will be in the long term.
My daughter bought it as a friend she horse rides with rocommended it. However a week later when she came to use it she realised the clasp on it was broken. Given the price we bought at we did not bother coming back.