There is nothing inherently insecure about windows XP, Microsoft have been patching every vulnerability found for 10 years+ so its surprisingly secure.
There is a big difference between exploitable remote weaknesses in the OS and tiny little generic problems that most patches fix.
I'm certainly not recommending staying on it, but there really isn't any need to panic. Your far more likely to get problems in a bank from someone installing a physical key logger or inside job to be honest.
- Google Engineer Labels Windows XP A Security Risk, Recommends An Upgrade
- The Risk of Running Windows XP After Support Ends April 2014 « Microsoft Security Blog
- Microsoft Windows Local Privilege Escalation Zero-Day in The Wild « FireEye Blog (this Adobe Reader exploit only works on XP!)
- IE Zero Day is Used in DoL Watering Hole Attack « FireEye Blog (this Internet Explorer exploit only works on XP!)
The infection rate chart on the left shows a clear distinction between newer and older operating system versions. The infection rate for Windows XP (a CCM of 9.1) is significantly higher than the infection rates for both Windows Vista and Windows 7 (5.5 and 4.9, respectively), which in turn are significantly higher than the infection rate for Windows 8 (1.6). Newer operating system versions are not vulnerable to several common exploits that are widely used against older versions, and include a number of security features and mitigations that older versions of Windows lack. (Source)
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