Dear Frank and intrance, I spent more years as a foreign national working in the netherlands than your "I have been here a couple of years".
If both of you are Dutch you should not be talking about never experiencing racism, it just doesn't make any sense.
Have you ever been around the country or read/listened to the news, the entire Dutch society is centered on racism.
XCM is available after 6 months if I'm not mistaken, and you need to request it so that they give you a code.