I've used both Chip-and-Sign and Chip-and-PIN on the French side and in St Barth with no issues, other than the above-mentioned unattended terminals. With a Chip-and-Sign the card reader spits out a slip of paper to sign. With the Chip-and-PIN I enter the 4-digit PIN. I don't recall using either one on the Dutch side. Both types of cards still have a mag strip, so they can still be used in swipe machines.