Before you load 20 Lucky Clover for real, spend a couple of minutes on how it genuinely performs. Built by AGT Software, it lands as a slot with a medium high-variance maths model and a return-to-player rate of 95.59%. If everything lines up, 20 Lucky Clover can pay up to 5,000x your bet. It's wrapped in polished, characterful visuals and plays out on 10 paylines across 5 reels. Dating back to 2020, it remains a regular pick. Let's break down what works and what doesn't.
Written by Rachel Kim · Last updated: March 2026
20 Lucky Clover comes to us from AGT Software, built with crisp artwork and atmosphere and powered by a 5-reel grid running 10 paylines. The result is a medium high volatility profile paired with an RTP of 95.59%.
Dig into the bonuses and 20 Lucky Clover starts to stand out. Look out for scatter symbols that unlock free spins and extra bonus rounds. Its medium high variance balances steady wins with the odd larger payout. Overall it's a well-rounded slot that knows what it is.
At 95.59%, the RTP is slightly below the industry average of ~96%. While this is typical for many popular slots, players should be aware of the slightly lower theoretical return.
Medium-high volatility means wins come less frequently but tend to be larger when they hit. Players should be prepared for dry spells between bigger wins, requiring a moderate bankroll.
About 1 in 3 spins results in a win. This is a moderate hit frequency that balances win frequency with payout size.
20 Lucky Clover features scatter symbols that can trigger free spins rounds. Landing the required number of scatter symbols anywhere on the reels activates the free spins feature, giving you extra chances to win without additional bets. During free spins, special modifiers may apply to boost your winning potential.
3.0 / 5 — Good
20 Lucky Clover by AGT Software is a solid offering that delivers good entertainment value. The 95.59% RTP combined with medium high volatility creates a well-balanced gaming experience.