Just received the bag and used it twice. It is exactly as described and seems well made for the price. The shoulder strap is a little stiff and doesn't hang quite straight, but that's to be expected after use given the weight of the bag. It is completely unadorned and the metal zippers are not shiny. The "skin" is soft and slightly rough, which is what I need for easy packaging. I will be taking this little bag on a 4 week trip; I carry it in my big bag on flights and use it for walks/dinners. I can use it for elegant and casual occasions. I have no idea how the handbag will perform over time. I was willing to pay a little more for this type of wallet, but couldn't find any "designers" that were small, padded, and with the requisite zipped pockets (1 outside and at least 1 inside and slip pockets (1 outside for a phone). It was also difficult to find a silver colored bag with non-shiny hardware and no chain.
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