Wow! This is totally great. Changing my plans about what cards to bring on my next trip thanks to this... why bring another Visa that doesn't have a chip if my Andrews card has no foreign transaction fee? Awesome!

Also... to the people who are having trouble with the PIN function... perhaps the machine you're using it in just doesn't accept foreign cards. That situation used to happen even with swipe cards. For example, some gas stations I've visited in Poland could not accept a USA credit card, no way, no how - and they were familiar with swipe.

I used my card at kiosks, vending machines, and ticket machines this summer in The Netherlands and in Norway and it behaved exactly like a European's card would... stick it in, leave it in, enter PIN, remove when instructed. It worked great. At cash registers, as others have said, it will print out a signature strip... but it does that automatically, often to the surprise of the cashier.

I'll be in France in March and will post an update on what happens there.