I tend to forget that people actually still use 'dumb' EFTPOS cards given the superior utility of Visa Debit cards which (in much of Europe at least) tend to fulfill the function performed here by EFTPOS cards.
I have both. I use the swipe eftpos card in machines I dont trust because it only goes into one account and if it gets skimmed then no big loss, pick a new one up at a branch and dont have to update all sorts of places that insist on storing card numbers instead of accepting paypal.
Use it at gull because those insert readers are actually reading the mag stripe on the card and I have no way to know if its tampered with and I doubt they have much security on them.
Use the swipe card whenever a place with an insert reader has it "malfunction" - a typical trait of one with a skimmer fitted so that you swipe it and they get the stripe contents. IMO its absurd that its an allowable fallback on chipped cards but the banks seem to be happy with letting things go thru as a clonable swipe and pin just because something didnt work in the chip reader.
A visa debit card also only goes to one account. The ‘dumb’ EFTPOS cards are something I’ve only ever seen here.