[smeej]

In New England, all our ATMs are covered or in vestibules because of weathet-related concerns, so this isn't an additional issue.

[withinboredom]

Ah, all the ATMs I’ve used in the EU are usually exposed to the elements, covered, yes, but still exposed on the sides.

[archi42]

This varies widely depending on the issuer of the ATM, at least in my part of the EU (SW Germany).

My banking group has (I guess) >90% of their ATMs indoors; I can only think of ever using 4 or 5 locations that were outdoors (my dataset is probably something like 100 ATMs). But there are also some banks which seem to favour outdoor, or at least have less of a strict "indoor policy".

Especially "generic" ATMs at tourist spots or train stations seem to be outdoors.