Stumbled across this thread. As an expat in neighbouring Germany with a similar system (maestro/girocard), did a search and found perhaps an answer.

https://dutchreview.com/expat/financ...herlands-visa/

I've used (and still sometimes use) US debit cards in Europe, but they are processed as "credit" transactions in reality : "authorised" then deduced a few days later. Whereas with a Maestro in NL/DE/BE/AT, the money is deducted immediately from the bank.