Ok...two answers neither of which may be helpful.

Last year (in SXM) we used our swipe card a few times at two different banks...no problem

This year we used our new chip/swipe card three times at two different banks. All transactions were on the Dutch side.

I will say that the ATM process and machines were the same...insert card and it reads the stripe...not partially insert so the chip can be read.

So not very helpful but I would venture a guess that the Dutch banks have not updated totally to chip tech as of 3 weeks ago anyway. My home bank still uses the swipe tech process...