ATMs
Automatic teller machines (local names: ເອທີເອັມ or ATM) are rare in Laos. Your best bet is to look for them in large cities and community places.
You do not need a chip & PIN card to use an ATM — your standard magnetic card will work fine.
The exchange rate you'll get on an ATM is usually the best one you'll get. You’ll pay fees, but you’ll still get a better rate than you would exchanging cash at a bank or exchange booth.