It is a very cute summer tank. YES you do have to wear a cami, or bralette underneath it. Or use it over your bathing suit. but I have worn mine a few times already and love it! I have worn it out at the park with kids and then dressed it up for "diploma" night for my graduating senior. It is a great addition to my summer wardrobe, and I will get more!I did buy the large. It is loose on me, which is how I like it. I am close to 5'8" at 156.I hope that helps.
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