Are there separate compartments within the money belt?

Yes, in the larger top section there are three separate compartments that can hold your credit cards or similar sized ID cards.

Can I fit a passport in this money belt?

Yes, you can easily fit a passport in the money belt.

Ok, what about a phone?

Yes, you can fit most modern smart phones into the belt.

What is the difference between a money belt and a runner waist pack?

They are pretty much the same thing. Both are slim pouches or packs that you wear around your waist and that can be concealed under a shirt or other cover garment