A wallet isn’t just a tool for holding cash and cards, it’s also a fashion accessory that can say a lot about your style. Whether it’s the rustic feel of a leather bifold or the sleek sheen of a patent wallet, the kind of womens wallet you choose is an investment in both your financial security and personal style. Choosing the right one requires balancing broad trends and subtle nuances to find a style that matches both your personal needs and aesthetic. To help you navigate the complexities, we turned to two experts from Forbes Vetted: fashion and wardrobe stylist Lupe Puerta and New York-based personal assistant Britt Layton.

Functionality Meets Fashion

Wallets come in many shapes and sizes, but the best ones combine a sleek design with plenty of room for all your essentials. They’re a great place to keep receipts, ticket stubs, and pictures of loved ones. And they’re an important part of your personal style, a reflection of your personality and character.

When shopping for a wallet, look for one that is well-made with quality materials and that will stand up to the test of time. Full-grain leather, for example, is a high-quality option that can last years and develop a rich patina as it ages. It’s also more durable than other types of leather and more water-resistant.

Consider a bifold wallet that folds in half and is slim enough to fit in your pocket or purse. These wallets usually have multiple card slots, a bill section, and sometimes a coin pocket, making them ideal for minimalists who prefer functionality over style. Tri-fold wallets offer even more storage options, but they may be a bit bulkier than bi-fold styles.

For those who want to make a statement with their wallet, choose one that’s adorned in patterns or embroidery for a boho vibe. The variety of colors, beads, and textures evokes a sense of creativity and self-expression. Alternatively, wallets with sequins and metallic finishes are ideal for women who love to shine. They’re easy to carry and can be worn as a bold accent piece in addition to your other accessories.

If you prefer to go hands-free, opt for a strapped everyday essential womens wallets. These wallets have a detachable wrist strap and are a fun way to stay organized while leaving your bag at home. They’re typically modest in size but are big enough to hold a checkbook and several credit cards.

If you’re always on the go, consider a zippered wallet that fits into your jeans pocket or can hook onto your purse strap. They’re perfect for keeping your essentials in one place and are ideal for storing bits and bobs you don’t want to lose (like a hair tie or lip gloss tube). They’re also easy to transfer from bag to bag without losing anything.