Discover the Best Brokers to Invest in 2025

Why Does Choosing the Right Brokerage Matter So Much?

When it comes to starting in the investment world, the platform you choose can make all the difference. With over 18 million new investors entering the Brazilian market, according to B3, options are plentiful. However, among century-old platforms and modern startups, a crucial question arises: which are the best brokerages to invest with safely and at low costs?

The answer isn’t straightforward. While some beginners seek intuitive interfaces and quality financial education, others prioritize asset diversification, smart automation, or nearly zero fees. This guide analyzes the main players in the market so you can make an informed decision.

The 2025 Scenario: Numbers and Trends

The year marks a turning point in the investment segment. Digital brokerages now offer costs up to 80% lower than traditional institutions, while 70% of users utilize apps with integrated tutorials. Democratization has also reached new assets: cryptocurrencies, global ETFs, and sustainable bonds are within reach for those starting with just a few reais.

The Main Options: A Structured Analysis

Leaders in Digital Experience

Nubank Investments has solidified its position as a usability benchmark. Its differentiators in 2025 include an AI assistant for personalized recommendations, integration with Bitcoin and thematic ETFs (ESG and tech). Costs? Zero brokerage for trades under R$ 1,000 and free Pix withdrawals. Products range from CDB at 220% of the CDI to real estate funds with no fees.

XP Investments continues to dominate with 6.2 million clients and exclusive partnerships in global exchanges (such as Nasdaq). It offers access to 12 international markets, cryptocurrency staking, and even virtual reality for investment simulations. Brokerage fees start at R$ 1.90 for Brazilian stocks.

Specialists in Automation and Low Fees

Rico Investments, part of the XP group, offers investment robots that automate strategies. Algorithm-recommended portfolios, zero brokerage for ETFs and index funds, and real-time alerts via WhatsApp (Rio Radar) complete the offering.

Clear, also from the XP group but operating independently, goes further: zero brokerage on all products, fractional shares, access to cryptocurrencies via Mercado Bitcoin, and a tool called Zen Mode that blocks impulsive trades after consecutive losses.

Tradition Combined with Modernity

Toro Investments, operating since 2010 and part of Santander group, has gained popularity among beginners for its practicality. Its platform offers zero brokerage on standard services, including stock trades— a unique market differentiator. Beginner day traders find specialized tools here.

BTG Pactual Digital focuses on sustainability. Its green investment focus includes Green Treasury (IPCA + 6%), neutral carbon REITs, and access to carbon credits. It offers zero fees for initial investments under R$ 5,000 and an educational program with certification.

Education and Diversification in Focus

Órama positions itself as a leader in financial education, with over 150 free courses and live mentoring. Its ecosystem includes multi-market funds, LCI/LCA with daily liquidity, and real estate crowdfunding. The Órama Start program offers R$ 100 for first investments—perfect for those starting almost from zero.

Global Reach and Cryptocurrencies

MiTrade breaks geographical barriers with over 500 available assets, from Bitcoin and Ethereum to commodity contracts. The spread starts at 0.03%, deposits via Pix are free, and there’s a simulator to practice without real risk. It’s the choice for those seeking emerging markets and exposure to crypto assets.

How to Choose? A Practical Guide

Each brokerage caters to a specific profile. If your priority is usability and education, Nubank and Órama stand out. If you seek global diversification, XP Investments leads. For automation and minimal costs, Rico and Clear are champions. Beginner day traders find good support at Toro.

The first step is to define: what type of assets do you want to operate? How much do you plan to invest initially? Do you prefer automatic tools or manual control? The answers will guide your decision among the best brokerages to invest with this year.

Next Steps

Registering is simple: fill in your details, make a deposit (many accept amounts as low as US$ 5), and start trading. Most offer demo accounts or simulators for you to practice before investing real money.

The investment market in 2025 is more accessible than ever. The right choice depends less on which brokerage is “the best” and more on which is the best for you.