Here2Win Casino · Fazi · New Zealand
Winning Clover 5 Hold & Win card on Fern Spins
Kiwi players can open the session page for Winning Clover 5 Hold & Win pokie apart from this catalogue.
Fern Spins lists Winning Clover 5 Hold & Win as a Fazi pokie for players in New Zealand, opened at Here2Win Casino. No RTP was on the source card, so this page does not borrow one from a similar game. Volatility reads.
More from Fazi
Winning Clover 5 Hold & Win vs Fazi average & peer pokie comparison
Compared against direct studio and mechanic peers, Winning Clover 5 Hold & Win (studio benchmark) 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 Winning Clover 5 Hold & Win | Volatility | Grid |
|---|---|---|---|---|---|
| Winning Clover 5 Hold & Win (this card) | Fazi | — | — | — | 5×3 video grid (with Hold & Win bonus board) |
| Epic Crown 10 96.96% RTP medium pokie · Highest RTP in Fazi vs Winning Clover 5 Hold & Win | Fazi | 96.96% | — | medium | 5×3 / 5×4 HTML5 video grid |
| Crown of Secret 96.74% RTP high pokie · Higher-volatility studio alternative vs Winning Clover 5 Hold & Win | Fazi | 96.74% | — | high | 5×3 / 5×4 HTML5 video grid |
| Lucky Lady's Clover 97.31% RTP medium pokie · Same mechanic (Gamble Feature) vs Winning Clover 5 Hold & Win | BGaming | 97.31% | — | medium | 5×3 / 5×4 HTML5 video grid |
- Alongside Winning Clover 5 Hold & Win (studio benchmark), review the Epic Crown 10 96.96% Fazi pokie card available at Here2Win Casino.
- Alongside Winning Clover 5 Hold & Win (studio benchmark), 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
Here2Win Casino is the casino named on this card. 429 other Fazi pokies are grouped with Winning Clover 5 Hold & Win, and they are played at Here2Win Casino.
Published figures & technical specs
- Studio
- Fazi (429 in this catalogue)
- Features
- Gamble Feature, Hold and Win, Jackpot and Respins
- Studio average RTP
- 96.13% (across 357 titles)
- 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
Winning Clover 5 Hold & Win RTP (studio benchmark), house edge & 500-spin session math
Winning Clover 5 Hold & Win by Fazi benchmarks against the verified 96.13% studio average RTP (3.87% house margin across 357 titles) and suits a 150x–200x stake buffer in NZ$ at Here2Win Casino (here2win.co.nz).
Because the source card for Winning Clover 5 Hold & Win omits an individual percentage, this Fazi release is benchmarked against the studio's published range (93.69% to 96.96%). The pokie runs on a 5×3 video grid (with Hold & Win bonus board) layout, and its variance profile fits a 150x–200x unit-stake reserve when playing Winning Clover 5 Hold & Win in NZ$ at Here2Win Casino (here2win.co.nz).
| Session volume & entity | Total turnover | Theoretical return | House margin | Est. winning spins |
|---|---|---|---|---|
| 100 spins on Winning Clover 5 Hold & Win (NZ$1/spin @ 96.13% RTP) | NZ$100 | NZ$96.13 | NZ$3.87 | ~15 (14.8%) |
| 250 spins on Winning Clover 5 Hold & Win (NZ$1/spin @ 96.13% RTP) | NZ$250 | NZ$240.32 | NZ$9.68 | ~37 (14.8%) |
| 500 spins on Winning Clover 5 Hold & Win (NZ$1/spin @ 96.13% RTP) | NZ$500 | NZ$480.65 | NZ$19.35 | ~74 (14.8%) |
Pros and cons
Pros
- Fazi is the studio on the card.
- The stake for Kiwi players is in NZ$.
- There are 429 Fazi pokies in this catalogue.
Cons
- Fern Spins does not hold NZ$ and does not pay winners.
- No bonus number is made up on this page.
- A neighbour title's RTP is not copied across.
- Volatility was not on the source card.
Studio
Fazi is the studio on the card. 429 of their pokies are in this New Zealand catalogue. Each one hands off through fernspins.co.nz to Here2Win Casino.
Two neighbours from Fazi are 10 Wild Diamond and 10 Wild Pumpkin.
Winning Clover 5 Hold & Win technical specs, Fazi RNG audit & myth-busting rules
Winning Clover 5 Hold & Win 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.
Hold and Win: Hold and Win locks bonus or coin symbols on the grid and awards a respin counter (commonly 3 respins) that resets each time a new symbol lands.
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.
Respins: Respin mechanics re-spin selected reels or the bonus board without drawing an additional base stake from the balance.
What this pokie is
Fern Spins keeps the New Zealand entry plain. Winning Clover 5 Hold & Win is from Fazi. You play it at Here2Win Casino. The stake shows in NZ$.
The video group is where Fern Spins files this pokie for New Zealand. Open a neighbour from the same studio if you want a second title. Each of those pages repeats the handoff: this domain, then Here2Win Casino.
Studio first: Fazi. Then the volatility,. Queenstown or Dunedin is not a setting in the game.
How to play Winning Clover 5 Hold & Win at Here2Win Casino: 7-step session protocol
- Check the verified Winning Clover 5 Hold & Win return (96.13%) and Fazi 5×3 video grid (with Hold & Win bonus board) layout on this Fern Spins specification card.
- Size your NZ$ 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 Winning Clover 5 Hold & Win using the Fazi studio filter or instant search bar.
- Launch Winning Clover 5 Hold & Win 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?
Here2Win Casino plays it. Fern Spins is the New Zealand catalogue. The button leaves via fernspins.co.nz and opens Winning Clover 5 Hold & Win at Here2Win Casino, stake in NZ$.
Which studio is Winning Clover 5 Hold & Win from?
Fazi. Other Fazi pokies for New Zealand are grouped on the provider page.
Does this site take POLi?
Deposit at Here2Win Casino after the button. POLi can be offered there. Fern Spins only names it so the page is clearly the New Zealand catalogue.
Can Kiwi players open Winning Clover 5 Hold & Win on a phone?
Yes. The button on fernspins.co.nz is the same on a phone. Here2Win Casino loads the pokie, and the stake is in NZ$.
What currency is Winning Clover 5 Hold & Win staked in?
NZ$ at Here2Win Casino. This catalogue does not print a minimum, because that figure lives inside the game, not on the card.
Can I play Winning Clover 5 Hold & Win on this page?
The card is for reading. The session is not hosted on fernspins.co.nz.
Why is Winning Clover 5 Hold & Win not scored?
Winning Clover 5 Hold & Win is not placed above or below the rest of the New Zealand list.
Can Winning Clover 5 Hold & Win be due to pay?
No. Winning Clover 5 Hold & Win does not keep your last evening, in Hamilton or anywhere else. The RTP, when printed, is a long sample, not the next spin.
Who is Winning Clover 5 Hold & Win 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 Winning Clover 5 Hold & Win?
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. Winning Clover 5 Hold & Win is a single title in that group, played at Here2Win Casino.
Does Hamilton change the pokie?
No. The same Winning Clover 5 Hold & Win 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 Winning Clover 5 Hold & Win?
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 Winning Clover 5 Hold & Win 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. Winning Clover 5 Hold & Win will not tap you on the shoulder.
Why does Winning Clover 5 Hold & Win have no RTP?
The source card did not publish one. The gap stays empty. A figure is not copied from another pokie to make the page look finished.
What are the pros and cons on the Winning Clover 5 Hold & Win 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 Winning Clover 5 Hold & Win?
Yes. That short answer is the preview, and it should match the fact list: Fazi, and only when you are on a card that has an RTP. Pros and cons come after, in plainer lines.
How do I open the right Winning Clover 5 Hold & Win?
Use the full name on this card. A shorter search in the Here2Win Casino lobby can open a different Fazi title.
What is the maximum win on Winning Clover 5 Hold & Win?
The card does not publish a maximum win, a reel count, or a payline count. Fern Spins does not guess them.
Which feature labels are on Winning Clover 5 Hold & Win?
Gamble Feature, Hold and Win, Jackpot and Respins is the whole feature list for Winning Clover 5 Hold & Win. Those words are not a price and not a description of the round.
How a session moves
Plain version for Fern Spins: limit, spin, stop. That is the whole note.
Do not stake NZ$ set aside for the week. Winning Clover 5 Hold & Win 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
The card has no volatility mark. Fern Spins leaves that gap empty instead of guessing a fit for Winning Clover 5 Hold & Win. The session, if you open it, is at Here2Win Casino.
Filed under
Features Gamble Feature Hold and Win Jackpot Respins
Playing this pokie
Open the full name Winning Clover 5 Hold & Win in the Here2Win Casino lobby. This page is only the Winning Clover 5 Hold & Win 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.
Winning Clover 5 Hold & Win is tagged Gamble Feature, Hold and Win, Jackpot and Respins. Those words are the only feature facts on the card.