Used my Starling card both at ATM and in a restaurant in Luang Prabang without a hitch. Restaurant transaction usual decent Starling rate. For ATM used BCEL who charged 20,000 kip (about £1.80) on a 1.5m kip withdrawal, the maximum it would give me. A straight cash exchange albeit at a lower exchange rate for the same amount would have benefitted me by £1.80. I hasten to add that these are ATM not Starling charges. Some banks give 3m kip though didn’t see one.