Abstract: A convertible tote bag for holding articles therein. The bag includes a front and rear panel which are connected together along their side edges by a pair of zippers. When the zippers are unzipped, the panels can be folded flat, thereby exposing a moisture absorbing pad on which a baby can be placed for diapering. The moisture absorbent pad is releasably secured to the panels. Interposed between the pad and the panels is a releasably secured moisture impervious barrier layer to protect the panels from being wet or soiled. The barrier layer and the pad can be readily removed to enable each to be cleaned. The bag also inlcudes a pair of carrying handles and at least one exterior pocket.