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In cold climates, a thick knitted scarf (sometimes known as a "muffler"), often made of wool, is tied around the neck to keep warm. This is usually accompanied by a heavy jacket or coat. Also, the scarf could be used to wrap around the face and ears for additional cover from the cold.

In drier, dustier warm climates, or in environments where there are many airborne contaminants, a thin headscarf, kerchief, or bandanna is often worn over the eyes and nose and mouth to keep the hair clean. Over time, this custom has evolved into a fashionable item in many cultures, particularly among women. The cravat, an ancestor of the necktie and bow tie, evolved from scarves of this sort in Croatia.

Scarves that are used to cover the lower part of face are sometimes called a cowl. Scarves can be colloquially called a neck-wrap.

Scarfs can be tied in many ways including the pussy-cat bow, the square knot, the cowboy bib, the ascot knot, the loop, the necktie, and the gypsy kerchief. Scarfs can also be tied in various ways on the head.