If you are going to Malaysia, I suggest you look at going to Penang as an alternative to KL. I have always used Penang for my visas in the past without any hassles at all, as have many friends. I have heard that KL can be difficult sometimes. Details of requirements for various visas are listed on their website.
I've used my Thai bank cards (KrungThai & KBank) at ATMs in Australia, Indonesia and Solomon Islands without any problems, so I would think you would have no trouble in Laos.