Here2Win Casino · Fazi · New Zealand
The Fern Spins page for Clovers & Stars
Kiwi players can open the session page for Clovers & Stars pokie apart from this catalogue.
On Fern Spins, Kiwi players get Clovers & Stars as the Fazi pokie, with high volatility and a published RTP of 96.47%. Play continues at Here2Win Casino and the stake is in NZ$. The RTP is the long sample, not the result of a session that starts in Wellington.
More from Fazi
Clovers & Stars vs Fazi average & peer pokie comparison
Compared against direct studio and mechanic peers, Clovers & Stars (96.47%) benchmarks directly against Epic Crown 10 (96.96%, Fazi) across its 5×3 / 5×4 HTML5 video grid layout at Here2Win Casino (here2win.co.nz).
| Title & spec anchor | Studio | Published RTP | Delta vs Clovers & Stars | Volatility | Grid |
|---|---|---|---|---|---|
| Clovers & Stars (this card) | Fazi | 96.47% | — | high | 5×3 / 5×4 HTML5 video grid |
| Epic Crown 10 96.96% RTP medium pokie · Highest RTP in Fazi vs Clovers & Stars | Fazi | 96.96% | +0.49% | medium | 5×3 / 5×4 HTML5 video grid |
| Lucky Lady's Clover 97.31% RTP medium pokie · Same mechanic (Gamble Feature) vs Clovers & Stars | BGaming | 97.31% | +0.84% | medium | 5×3 / 5×4 HTML5 video grid |
- Alongside Clovers & Stars (96.47%), review the Epic Crown 10 96.96% Fazi pokie card available at Here2Win Casino.
- Alongside Clovers & Stars (96.47%), review the Lucky Lady's Clover 97.31% BGaming pokie card available at Here2Win Casino.
- Benchmark any two releases in the head-to-head pokie RTP and volatility comparator or run the NZ$ session bankroll and stake calculator.
At Here2Win Casino
Here2Win Casino is the casino named on this card. 429 other Fazi pokies are grouped with Clovers & Stars, and they are played at Here2Win Casino.
Open the Fazi page and 40 Fruit Reels is one of the names there.
Published figures & technical specs
- Studio
- Fazi (429 in this catalogue)
- Published RTP
- 96.47%
- RTP band
- 96% to 96.5%
- Volatility
- high
- Features
- Gamble Feature and Jackpot
- House edge
- 3.53%
- Vs studio avg RTP
- +0.34% vs 96.13% avg (#81/357)
- Reel grid
- 5×3 / 5×4 HTML5 video grid
- Pay structure
- Standard studio payline / ways structure
- 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
Clovers & Stars RTP (96.47%), house edge & 500-spin session math
Clovers & Stars by Fazi returns a published 96.47% RTP (3.53% house edge) across a 5×3 / 5×4 HTML5 video grid layout and calls for a 250x–350x bankroll buffer in NZ$ at Here2Win Casino (here2win.co.nz).
This Fazi release stands at +0.34 percentage points against the 96.13% studio average across 357 RTP-published titles (rank #81 of 357). The high-volatility pokie lands a winning combination roughly once every 6.8 spins (14.8% hit frequency). Its 96.47% return profile pairs best with a 250x–350x stake reserve over 250 to 500 spins. Players launch Clovers & Stars 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 Clovers & Stars (NZ$1/spin @ 96.47% RTP) | NZ$100 | NZ$96.47 | NZ$3.53 | ~15 (14.8%) |
| 250 spins on Clovers & Stars (NZ$1/spin @ 96.47% RTP) | NZ$250 | NZ$241.18 | NZ$8.83 | ~37 (14.8%) |
| 500 spins on Clovers & Stars (NZ$1/spin @ 96.47% RTP) | NZ$500 | NZ$482.35 | NZ$17.65 | ~74 (14.8%) |
Pros and cons
Pros
- You do not have to open the lobby to see who made Clovers & Stars.
- The button remains on fernspins.co.nz and hands the pokie to Here2Win Casino.
- Fern Spins does not adjust 96.47%.
- high-volatility is visible before you set an NZ$ stake.
Cons
- The account is at Here2Win Casino.
- No bonus number is made up on this page.
- Hit rate is unpublished for Clovers & Stars.
- A short NZ$ session can land far from the published RTP.
Studio
If the only question was who built Clovers & Stars, the answer is Fazi. Fern Spins does not localise the studio name.
Clovers & Stars technical specs, Fazi RNG audit & myth-busting rules
Clovers & Stars is engineered by Fazi on a 5×3 / 5×4 HTML5 video grid (Standard studio payline / ways structure) 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. Clovers & Stars is from Fazi. You play it at Here2Win Casino. The stake shows in NZ$.
Fern Spins keeps the New Zealand page for Clovers & Stars on its own host. The sentence is not the Australian page with the country find-replaced. The play button still ends at Here2Win Casino.
Fern Spins keeps a New Zealand page for Clovers & Stars rather than reusing the Australian sentences. The host is its own catalogue. Play still ends at Here2Win Casino.
How to play Clovers & Stars at Here2Win Casino: 7-step session protocol
- Check the verified Clovers & Stars return (96.47%) and Fazi 5×3 / 5×4 HTML5 video grid layout on this Fern Spins specification card.
- Size your NZ$ session bankroll at 250x–350x your base spin stake using the interactive 100/250/500-spin calculator above.
- Open Here2Win Casino (here2win.co.nz) and locate Clovers & Stars using the Fazi studio filter or instant search bar.
- Launch Clovers & Stars 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, Clovers & Stars is on this New Zealand list. The session is not hosted on fernspins.co.nz.
Is the RTP of Clovers & Stars 96.47%?
Fern Spins repeats 96.47% and does not round it to look tidier.
How bumpy is Clovers & Stars?
The label is high-volatility. It describes the spread, not a timetable for the feature.
Which studio is Clovers & Stars from?
Fazi. Other Fazi pokies for New Zealand are grouped on the provider page.
Does this site take POLi?
Deposit at Here2Win Casino after the button. POLi can be offered there. Fern Spins only names it so the page is clearly the New Zealand catalogue.
Does Clovers & Stars 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$.
Is the stake in NZ$?
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 Clovers & Stars on Fern Spins?
The card is for reading. The session is not hosted on fernspins.co.nz.
Why is Clovers & Stars not scored?
Clovers & Stars is not placed above or below the rest of the New Zealand list.
Can Clovers & Stars be due to pay?
Do not wait out a feature. The pokie is not running late.
Who is Clovers & Stars 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 Clovers & Stars?
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. Clovers & Stars is a single title in that group, played at Here2Win Casino.
Does Wellington change the pokie?
No. The same Clovers & Stars 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 Clovers & Stars?
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 Clovers & Stars 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. Clovers & Stars will not tap you on the shoulder.
What are the pros and cons on the Clovers & Stars 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 Clovers & Stars?
Yes. That short answer is the preview, and it should match the fact list: Fazi, and 96.47% only when you are on a card that has an RTP. Pros and cons come after, in plainer lines.
Will a shorter name still open Clovers & Stars?
Use the full name on this card. A shorter search in the Here2Win Casino lobby can open a different Fazi title.
How many reels and paylines does Clovers & Stars have?
A count of free spins and a bonus-buy price are also absent. Those numbers stay off the page.
What features does the Clovers & Stars card list?
Gamble Feature and Jackpot is the whole feature list for Clovers & Stars. Those words are not a price and not a description of the round.
How a session moves
Clovers & Stars does not become likelier because the page is short. That is the whole note.
Do not stake NZ$ set aside for the week. Clovers & Stars will not settle up because a feature feels late.
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 high-volatility pokie moves an NZ$ stake in jumps. If that is more movement than you want, drop the stake or pick another title from the same studio.
Because the pace is high, the card is on the high volatility list.
Filed under
Features Gamble Feature Jackpot
Playing this pokie
Search the lobby for Clovers & Stars, the full title on this card. This page is only the Clovers & Stars 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$. No app is installed from Fern Spins.
Clovers & Stars is tagged Gamble Feature and Jackpot. Those words are the only feature facts on the card.