Money Clips vs. Wallets | Which One is the Best?

Wallet or money clip? A question asked by many. How you carry your cash, cards, and personal items is an important part of your daily routine. Whether you live in a fast-paced city environment, out in the country, or somewhere in between, you need the ability to quickly and conveniently access your belongings in a secure and reliable way.

Some people live and die by the classic bifold wallet, while others find that a money clip offers more convenience and accessibility. There are also many folks that employ a custom everyday carry that incorporates different devices and technologies to maximize efficiency and security.

Is it strictly a matter of personal preference, or are there real advantages to each of these carrying methods that should be acknowledged?

Let’s settle the score once and for all by looking at a complete list of pros and cons for money clips and wallets and tips for using each device to the best of your ability.


Since ancient times, we’ve relied on satchels, bags, and other types of enclosed cases to carry our personal belongings and defend them from ever-present threats.

Early humans roamed the earth collecting treasures and trinkets rather than credit cards and cash, but the basic idea has remained the same for millennia: protect what’s yours.

Wallets have evolved through many iterations over time and, of course, and today’s wallets are a culmination of engineering, ingenuity, and modern technology. Whether you prefer the old-school simplicity of an elegant bifold or something more innovative, you can rest assured your valuables are kept safe and secure in any situation.


In your wallet, you can keep everything from cash and coins to identification, membership cards, business cards, photographs, and other keepsakes that you collect throughout your journey.

Some wallets even have modular capabilities, allowing you to boost your card-carrying capacity if you need to take more than a few with you at any time. Plus, wallets made of genuine leather with expert craftsmanship grow more flexible and distinctive over time, taking on a unique identity and character.


There are a few areas where wallets fall short, however. Firstly, many wallets are not fully sealed at the top, which means that cash, cards, and other valuables can fall out or be stolen if we aren’t careful.

Some of us also tend to overstuff our wallets beyond their intended capacity, and they can quickly turn into repositories for a bunch of random stuff we’ll never actually need. Hotel access cards, gift cards, business cards, and receipts can pile up fast and turn our wallets into a bit of a burden.

It’s important to keep a close eye on the inventory within our wallets and ensure that we clean things out every once in a while and not become overloaded with unnecessary items.


man removing money from a black bi-fold wallet



Wallets may win out in a popularity contest, but a great money clip has a lot to offer in its own right.


The key advantage here is the slim form factor and streamlined design that allows you to quickly access your wad of cash without fumbling around through your wallet. A money clip is stylish and keeps your wallet slim while balancing out your everyday carry.

When you break it down, your daily carry does not typically require more than some cash, a major credit card, and a driver’s license, all of which can be organized and kept safe with a quality cash clip.

Of course, you will likely find yourself in a situation that demands a larger loadout, in which case you should have some other devices on deck that you can swap in and out with ease.

The best clips are made to take a beating, bend without breaking, and feature a premium glossy finish separating it from the rest of the pack. A money clip may be simple in design, but it’s impossible to deny quality when you see it. Plus, you get to show off those bills and premium cards.


The drawbacks of a money clip need to be acknowledged, however. Security could be a problem if you aren’t careful with your clip, and waving cash around may not be the smartest move if you’re in a densely populated area like a shopping center or riding public transport.

You also may end up spending a bit more time folding and organizing cash by denomination before getting on with your schedule, so there could be a time-saving element to a more traditional wallet. As you become accustomed to the money clip dynamic, however, it becomes second nature.

If you’ve never tried carrying a money clip and want to try it out, it’s worth a shot. You can always switch things up on the fly and change your loadout depending on the situation.



When it comes to a wallet or a money clip, it ultimately comes down to personal preference. The wallet vs. money clip debate will never see a true victor, but lucky for us, we don’t have to choose between either one in a world where customization is king.

Your everyday carry should be a reflection of exactly what you need to accomplish in the day ahead, not a static set of tools that end up holding you back.

For example, you can enjoy the best of both worlds with a slim front-pocket wallet and add a cash clip or band around the middle to carry extra bills.

Maybe you want to take a minimalist approach and attach your wallet to your phone case with a magnetic folio that stores everything you need in one place. You can switch and swap various attachments and create the exact arsenal that meets your needs for the journey.

In other words, it’s time to break free of the wallet vs. money clip paradigm and step into a world where your perfect everyday carry changes along with your demands and specifications. No more locking yourself into any single format or feature set. Treat every day like a mission and prepare accordingly.


man removing a brown wallet from his back pocket



Money clips and wallets are not new tools by any means, but you can bring these devices into the 21st century with some simple additions.

Want to ensure you never lose your wallet ever again? Slip a wallet tracking card into your bifold, and you’ll have the power to trace it wherever you are in the world.

You’ll also want to upgrade to a wallet that features RFID blocking technology. Hackers and scammers are constantly trying to swipe your data, so add a layer of protection to your credit and debit cards with a wallet that stops criminals in their tracks.

Finally, if you are serious about security, look into a wallet or cardholder that does not allow your cards to fall out in any scenario. A space-grade aluminum wallet allows you to store over a dozen cards in a secure compartment, and then it fans them out for easy access with the click of a button.



When it comes to money clips vs wallets, what team are you on? Do you carry both at the same time, or do you change your daily carry for the adventures ahead? Each piece of gear can help you navigate the world with ease and peace of mind, so choose wisely and be ready to adapt.




About Ekster

Here at Ekster, we're in the business of making your life easier.

We started with upgrading the traditional leather wallet, making it easier to use and harder to lose. Now, we're taking on the rest of your essentials to make each day easier for you.

Learn more about Ekster

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