Abstract: A U-shaped belt buckle is pivotally connected to a buckle tongue and key retainer which includes an elongated tongue body terminating at one end in a tongue tip, the other end of the tongue body forming a part of the key retainer. The key retainer includes an elongated hollow housing being open at opposite ends to form a sleeve through which a key may extend in the direction of the tongue tip. Shoulder wall portions at the key receiving end of the hollow housing serve to abut with the head of the key for positioning the key in the housing. The belt has an opening adapted to receive the elongated tongue body and hollow housing, with belt fastener snap buttons positioned on the belt to also function to retain the key by abutting with the head of the key. When the key is needed, the wearer simply opens the snap buttons and removes the key from the key retainer.