According to the ATM Industry Association most ATM’s will continue running Windows XP after Microsoft ends support for the OS. I can’t say that I’m surprised even though banks and financial institutions have had years of advanced notice of the retirement of XP.
In the US about half of ATMs are run by banks and the other half by independent operators. Upgrading is a significant effort (and cost) which probably explains why so many ATMs are still running XP.
Microsoft has specifically pointed out that the end of XP support means it will become vulnerable to future exploits, but that also doesn’t automatically mean that ATMs will become vulnerable. They are ‘closed’ systems that only perform a single task and there are safeguards that can be taken that will allow them to continue to achieve PCI SSC compliance – for a while.
But PCI compliance as well as several state laws – such as Massachusetts 201 CMR 17 – require that systems have software that’s supported by the manufacturer.
So will there be a security risk? Yes, but it’s not doubling overnight. But minimally the owners of the ATMs you use should have a plan in place for fairly immediate migration of the ATM to newer software standards.
And by the way, this problem extends far beyond ATMs. Most restaurant and retail store point-of-sale terminals also still run on Windows XP.