I have the exact same First Tech debit card and can confirm that:
1) No Maestro app is programmed onto the chip (per cardpeek), and
2) It definitely does not work at Maestro-only shops in Belgium or the Netherlands.
Originally Posted by
Barciur
While it might be outdated, as of June 2019 I still ran into a ton of places in the Netherlands (mostly supermarkets and smaller stores) that refused to take anything than Maestro.
At this point I think it's more of a cultural thing than anything else--the local debit network (PIN) pushed really hard for debit card acceptance "even for small amounts" and charged merchants pretty low fees. It worked, to the extent that in NL (but not Flanders) a debit card is a "pinpas" and the verb for paying by card is "pinnen".
PIN was folded into Maestro years ago and the interchange fee cap is a few years old at this point, but everyone has a "pinpas" and few people use credit cards for day-to-day transactions so there's just no real demand from Dutch customers for the ability to do so. PIN/Maestro has been around for so long it's kind of entrenched, in contrast to Belgium and Germany where card payments became common much later so the interchange fee cap actually made a difference for credit acceptance. In Germany there's also "debit Mastercard" which is like an American debit card and can be used outside Europe and online at places that don't take Maestro. It always runs through the credit network.