A panel bracelet comprises a plurality of panels configured to be selectively replaceable within the bracelet, wherein each panel includes parallel ends configured to be perpendicular to the width of the bracelet and longer parallel sides configured to extend along the circumference of the bracelet, wherein each panel includes a perimeter groove around the perimeter of the panel； a pair of panel holding frames, wherein each open panel holding frame is configured to hold a panel therein, and wherein each panel holding frame includes a retaining bead that is received within the perimeter groove of the panel held within the panel holding frame to receive and retain the panel therein.
