Arjan21 Just think: contactless theft has never been demonstrated across Europe.
Having your pass in the terminal and / or always entering your PIN is more susceptible to fraud.
Your PIN can then be copied at any time. If you always put your pass in the machine, they can also copy your pass.
With PIN and theft / copy pass, they can write off large amounts.
In case of theft only your pass, now a maximum of € 50.00.
So contactless with your PIN every now and then is a lot more secure than you initially think 😉