Here2Win Casino · Fazi · New Zealand
The Fern Spins page for Clover Coin
Kiwi players can open the session page for Clover Coin pokie apart from this catalogue.
Fern Spins records Clover Coin for New Zealand: studio Fazi, medium volatility, RTP 94.45%. The button hands the pokie to Here2Win Casino. Nothing on this page changes the reel maths, and POLi does not either.
More from Fazi
Clover Coin vs Fazi average & peer pokie comparison
Compared against direct studio and mechanic peers, Clover Coin (94.45%) benchmarks directly against Epic Crown 10 (96.96%, Fazi) across its 5×3 video grid (with Hold & Win bonus board) layout at Here2Win Casino (here2win.co.nz).
| Title & spec anchor | Studio | Published RTP | Delta vs Clover Coin | Volatility | Grid |
|---|---|---|---|---|---|
| Clover Coin (this card) | Fazi | 94.45% | — | medium | 5×3 video grid (with Hold & Win bonus board) |
| Epic Crown 10 96.96% RTP medium pokie · Highest RTP in Fazi vs Clover Coin | Fazi | 96.96% | +2.51% | medium | 5×3 / 5×4 HTML5 video grid |
| Crown of Secret 96.74% RTP high pokie · Higher-volatility studio alternative vs Clover Coin | Fazi | 96.74% | +2.29% | high | 5×3 / 5×4 HTML5 video grid |
| Lucky Lady's Clover 97.31% RTP medium pokie · Same mechanic (Gamble Feature) vs Clover Coin | BGaming | 97.31% | +2.86% | medium | 5×3 / 5×4 HTML5 video grid |
| Daruma Impact 98.32% RTP very-high pokie · Same theme (Coins) vs Clover Coin | Habanero | 98.32% | +3.87% | very-high | 5×3 / 5×4 HTML5 video grid |
- Alongside Clover Coin (94.45%), review the Epic Crown 10 96.96% Fazi pokie card available at Here2Win Casino.
- Alongside Clover Coin (94.45%), review the Crown of Secret 96.74% Fazi pokie card available at Here2Win Casino.
- Benchmark any two releases in the head-to-head pokie RTP and volatility comparator or run the NZ$ session bankroll and stake calculator.
At Here2Win Casino
Clover Coin is a Fazi pokie at Here2Win Casino for New Zealand. Fern Spins records the figures. The game opens at Here2Win Casino, stake in NZ$.
Published figures & technical specs
- Studio
- Fazi (429 in this catalogue)
- Published RTP
- 94.45%
- RTP band
- under 96%
- Volatility
- medium
- Hit ratio
- 12.54%
- Features
- Gamble Feature and Jackpot
- House edge
- 5.55%
- Vs studio avg RTP
- -1.68% vs 96.13% avg (#354/357)
- Spins per hit
- ~1 in 8.0 spins
- Reel grid
- 5×3 video grid (with Hold & Win bonus board)
- Pay structure
- 20–25 fixed paylines
- RNG testing labs
- GLI, BMM Testlabs, SIQ
- Studio licences
- ONJN, MGA-aligned RNG certification, Serbian Gaming Board
- Platform
- HTML5 (Desktop, iOS & Android)
- Play at
- Here2Win Casino
- Stake
- NZ$
- Card updated
- 2026-11-04
Clover Coin RTP (94.45%), house edge & 500-spin session math
Clover Coin by Fazi returns a published 94.45% RTP (5.55% house edge) across a 5×3 video grid (with Hold & Win bonus board) layout and calls for a 150x–200x bankroll buffer in NZ$ at Here2Win Casino (here2win.co.nz).
This Fazi release stands at -1.68 percentage points against the 96.13% studio average across 357 RTP-published titles (rank #354 of 357). The medium-volatility pokie lands a winning combination roughly once every 8.0 spins (12.5% hit frequency). Its 94.45% return profile pairs best with a 150x–200x stake reserve over 250 to 500 spins. Players launch Clover Coin in NZ$ at Here2Win Casino (here2win.co.nz) with full HTML5 desktop and mobile parity.
| Session volume & entity | Total turnover | Theoretical return | House margin | Est. winning spins |
|---|---|---|---|---|
| 100 spins on Clover Coin (NZ$1/spin @ 94.45% RTP) | NZ$100 | NZ$94.45 | NZ$5.55 | ~13 (12.5%) |
| 250 spins on Clover Coin (NZ$1/spin @ 94.45% RTP) | NZ$250 | NZ$236.13 | NZ$13.87 | ~31 (12.5%) |
| 500 spins on Clover Coin (NZ$1/spin @ 94.45% RTP) | NZ$500 | NZ$472.25 | NZ$27.75 | ~63 (12.5%) |
Pros and cons
Pros
- You do not have to open the lobby to see who made Clover Coin.
- The button remains on fernspins.co.nz and hands the pokie to Here2Win Casino.
- The published RTP 94.45% is printed as it came on the card.
- medium-volatility is visible before you set an NZ$ stake.
Cons
- The account is at Here2Win Casino.
- If Here2Win Casino has an offer, its terms are shown there.
Studio
If the only question was who built Clover Coin, the answer is Fazi. Here2Win Casino does not either.
Clover Coin technical specs, Fazi RNG audit & myth-busting rules
Clover Coin is engineered by Fazi on a 5×3 video grid (with Hold & Win bonus board) (20–25 fixed paylines) architecture with independent RNG certification from GLI, BMM Testlabs, SIQ under ONJN, MGA-aligned RNG certification, Serbian Gaming Board regulatory frameworks.
Fazi (Fazi d.o.o.) is an iGaming studio founded in 1991 and headquartered in Niš, Serbia. Its random number generators (RNG) and math sheets are audited by GLI, BMM Testlabs, SIQ and certified across ONJN, MGA-aligned RNG certification, Serbian Gaming Board. Studio RTP policy: Fixed theoretical RTP (~96.10%).
In the Fern Spins catalogue, Fazi accounts for 429 pokies, playable at Here2Win Casino (here2win.co.nz). Across the 357 titles with a published return, the studio averages 96.13% RTP (spanning 93.69% to 96.96%, with 75 pokies at 96.5% or above). Signature studio mechanics include Progressive Mystery Jackpots (Gold / Platinum / Diamond), Gamble Double-Up.
Gamble Feature: The Gamble feature offers an optional post-win double-up or risk ladder round after standard base-game payouts.
Jackpot: Jackpot mechanics link the title to multi-tier fixed or progressive prize pools triggered either randomly or inside a dedicated jackpot wheel/pick round.
What this pokie is
Fern Spins keeps the New Zealand entry plain. Clover Coin is from Fazi. You play it at Here2Win Casino. The stake shows in NZ$.
Studio first: Fazi. Then the volatility, medium. A session in Queenstown is still just spins at a stake you chose.
Read the card before you fund a session. Clover Coin is from Fazi. Here2Win Casino is where the pokie runs, in NZ$.
Further along the same studio list are 40 Hot Strike and 27 Wild Stacks Xmas.
How to play Clover Coin at Here2Win Casino: 7-step session protocol
- Check the verified Clover Coin return (94.45%) and Fazi 5×3 video grid (with Hold & Win bonus board) layout on this Fern Spins specification card.
- Size your NZ$ session bankroll at 150x–200x your base spin stake using the interactive 100/250/500-spin calculator above.
- Open Here2Win Casino (here2win.co.nz) and locate Clover Coin using the Fazi studio filter or instant search bar.
- Launch Clover Coin and open the in-game help sheet ("?" or "i" icon) to verify the active paytable, feature rules, and printed RTP.
- Select your unit spin stake in NZ$ (such as NZ$0.20–NZ$1.00) so your session balance comfortably covers 200 to 300 spins.
- Lock in a session timer and stop-loss limit at Here2Win Casino prior to spinning, keeping stake size flat through normal variance swings.
- Complete account KYC verification at Here2Win Casino early and use the same verified POLi rail for seamless NZ$ withdrawals.
Questions
Does Fern Spins play the pokie itself?
Yes, Clover Coin is on this New Zealand list. The session is not hosted on fernspins.co.nz.
What RTP does Clover Coin publish?
The card publishes 94.45% for Clover Coin. Across a huge number of spins that is the studio figure. One evening in Queenstown is not that sample.
How bumpy is Clover Coin?
medium-volatility. A medium-volatility pokie moves an NZ$ stake in jumps. If that is more movement than you want, drop the stake or pick another title.
Which studio is Clover Coin from?
The studio on the card is Fazi. Fern Spins does not swap in a different name.
Does this site take POLi?
NZ$ stays in the Here2Win Casino account. This domain does not open a cashier.
Does Clover Coin work on mobile in New Zealand?
Yes. The button on fernspins.co.nz is the same on a phone. Here2Win Casino loads the pokie, and the stake is in NZ$.
What currency is Clover Coin staked in?
NZ$ at Here2Win Casino. This catalogue does not print a minimum, because that figure lives inside the game, not on the card.
Is there a demo of Clover Coin on Fern Spins?
No. The page does not run the reels. The button opens Clover Coin at Here2Win Casino. A practice mode, if the casino offers one, is there.
Where is the rating for this pokie?
There is no rating. A score would be an opinion Fern Spins refuses to invent. The useful lines are the studio, the RTP when it exists, and the volatility.
Does the pokie remember the last session?
Do not wait out a feature. The pokie is not running late.
Who is Clover Coin for?
Adults, 18+. Fern Spins is a New Zealand catalogue. Gambling can harm, and the page is not a promise of winnings.
What happens when I press play on Clover Coin?
fernspins.co.nz takes the click and Here2Win Casino opens the pokie. The partner address stays off the article.
How many Fazi pokies are on this site?
429. They are grouped on the provider page. Clover Coin is a single title in that group, played at Here2Win Casino.
Does Queenstown change the pokie?
No. The same Clover Coin card applies across New Zealand. City is not a reel setting. NZ$ and POLi are the local pieces, and both are settled at Here2Win Casino.
Is a bonus amount listed for Clover Coin?
No amount is printed here. A welcome offer, if Here2Win Casino has one, is shown in the account with its own terms. Fern Spins will not guess the numbers.
Is Clover Coin a pub pokie?
No. It is an online pokie from Fazi, opened at Here2Win Casino. The page does not describe a machine in a venue.
How do I finish a session?
Decide the NZ$ limit before the reels move, then stop when it is reached. Clover Coin will not tap you on the shoulder.
What does the hit ratio of Clover Coin tell me?
How often a spin returns something, not how much, and not when. It is a different number from the RTP. Fern Spins prints it only because the card includes it.
What are the pros and cons on the Clover Coin page?
So a Kiwi player can see the split. Published facts, such as the studio and any RTP, sit on one side. Gaps and limits sit on the other, including the fact that Fern Spins is not the cashier.
What do I read first on Clover Coin?
Read it as a card, not as a tip for Queenstown. The pokie does not know the city, and the page does not pretend it does.
How do I open the right Clover Coin?
This page is only Clover Coin. The play button follows that name, not a shorter guess.
How many reels and paylines does Clover Coin have?
A count of free spins and a bonus-buy price are also absent. Those numbers stay off the page.
Which feature labels are on Clover Coin?
The labels are Gamble Feature and Jackpot. They are names only. This page does not add a bonus amount, a free-spin count, or a jackpot figure.
How a session moves
Clover Coin does not become likelier because the page is short. That is the whole note.
A session is a clock plus a stake. Any welcome lives inside Here2Win Casino, and Fern Spins does not invent the terms.
20 Super Stars sits in the Fruits group with this card.
Stake and POLi
Fern Spins takes no NZ$. POLi, if you use it, is at Here2Win Casino.
The NZ$ stake is chosen in the game at Here2Win Casino. Reading Fern Spins does not open a balance.
Who it suits
A medium-volatility pokie is a middle pace. Fern Spins files Clover Coin as an ordinary session at Here2Win Casino for New Zealand, not as a method.
Filed under
Categories Video Slots
Features Gamble Feature Jackpot
Playing this pokie
Search the lobby for Clover Coin, the full title on this card. This page is only the Clover Coin card.
The card does not publish a maximum win, a reel count, a payline count, a count of free spins, or a bonus-buy price. Fern Spins leaves those fields empty.
Kiwi players play this pokie in the browser at Here2Win Casino, stake in NZ$. fernspins.co.nz does not host the reels.
Clover Coin is tagged Gamble Feature and Jackpot. Those words are the only feature facts on the card.
12.54% is the hit ratio on this card. Read it as a long sample, not as the next spin at Here2Win Casino.