Complete Guide: Which Investment Brokers Are Most Recommended for Beginners in 2025

The Investment Brokerages Landscape in 2025

The Brazilian investment market is undergoing a transformation. Data from B3 indicates the arrival of 18 million new investors in Brazil, a growth driven by factors such as:

• Intuitive platforms: 70% of users prefer apps with integrated educational content
• Lower costs: Digital brokerages charge up to 80% less than traditional institutions
• Greater access: Today, it’s possible to invest in cryptocurrencies, global ETFs, and ESG bonds with just a few clicks

In light of this expansion, choosing among the best investment brokerages has become a task that requires careful comparison. Below, we present the main institutions that deserve your attention.

The Top Investment Brokerages for Beginners

XP Investimentos: The Strength of the Consolidated Market

With 6.2 million clients, XP maintains its prominent position through strategic partnerships (Nasdaq) and constant innovation. The platform offers:

• Access to 12 international stock exchanges
• Cryptocurrency staking and private pension products
• Brokerage fees starting at R$ 1.90 for Brazilian stocks
• XP Future tool, enabling immersive virtual reality simulations

Its differentiator lies in balancing technological sophistication with accessibility for beginners.

Nubank Investimentos: Digital Experience First

Nubank has established itself as a reference in 100% remote operations, expanding its portfolio in 2025 with significant integrations. Its brokerage, known as Nu Investe (formerly Easynvest), offers:

• Themed Bitcoin and ETFs focused on ESG and technology
• CDB earning 220% of the CDI
• Fractional shares with no brokerage fee for orders under R$ 1,000
• AI assistant in the app for personalized guidance

The key advantage is the seamless integration with the Nubank ecosystem, creating a unified experience.

Toro Investimentos: Solid and Cost-Effective

Operating since 2010 as part of the Santander group, Toro has built a reputation for day trading practices suitable for beginners, with special emphasis on:

• Practical platform available online and via browser
• Zero brokerage for stock operations (exclusive to the platform)
• Specific tools for intraday trading
• No fees for standard services

The proposition is clear: maximum simplicity without compromising functionality.

Rico Investimentos: Intelligent Automation

Integrated into the XP Group, Rico differentiates itself through technology:

• Investment robots that automate strategies
• Portfolios recommended by machine learning algorithms
• Day trading with a fixed fee of R$ 0.99
• Zero brokerage for ETFs and index funds
• Rico Radar tool sending alerts via WhatsApp

Ideal for those who want to invest without constant monitoring.

Clear: Minimalism and Efficiency

Also part of the XP group, Clear deepens the concept of maximum simplification:

• Zero brokerage on all products
• Fractional shares, binary options, and access to cryptocurrencies (via integration with specialized platform)
• Withdrawal fee of only R$ 3.90
• Clear Zen mode that blocks impulsive trades

Perfect for investors seeking to eliminate distractions and unnecessary costs.

BTG Pactual Digital: Responsible Investing

BTG’s digital arm expanded its focus on sustainability during 2025:

• Green Treasury offering IPCA + 6%
• Carbon-neutral REITs and carbon credits
• Zero fees for investments under R$ 5,000
• BTG Educa program with certification in personal finance

A choice for those aiming to align financial returns with environmental impact.

Órama: Education as a Main Pillar

Highlighting educational content, Órama offers:

• Over 150 free courses and live mentoring sessions
• Multi-market funds with flexibility
• LCI/LCA with daily liquidity
• Access to real estate crowdfunding
• Órama Start program distributing R$ 100 for initial trades

A performance fee of 10% on gains is charged only on the profit obtained.

MiTrade: Asset Range

Completing the list, MiTrade provides access to a broad universe of investments:

• 500+ assets including Bitcoin, Ethereum, and commodities
• Spread starting at 0.03%
• Zero deposit fees via Pix
• Mitrade Simulator tool to practice without real risk

Ideal for investors wanting to explore emerging markets and cryptocurrencies from the start.

Quick Comparison: Finding Your Best Investment Broker

Choosing among the best investment brokerages depends on your profile:

• Looking for education? Órama is the answer
• Want automation? Rico offers that solution
• Prefer minimal costs? Clear and Toro dominate this segment
• Invest globally? XP is the most comprehensive
• Focus on sustainability? BTG Pactual stands out
• Mobile experience? Nubank is unbeatable

Next Steps

Choosing an investment brokerage doesn’t have to be complicated. The important thing is to start, test the platform, and learn as you operate. The listed institutions share an essential characteristic: technical reliability and proper support.

If you’re undecided, begin with the one that best aligns with your investment style and, after gaining experience, consider diversifying across more than one platform.