The Best Brokerage Options for Beginners in Investing in 2025

The Brokerage Landscape in 2025: A Market in Transformation

Brazil is experiencing a period of expansion in the investment universe. According to B3 data, 18 million new investors emerged in 2025, a phenomenon driven by three pillars: accessible financial education (70% of newcomers use platforms with integrated educational content), significant cost reduction (digital brokerages charge up to 80% less than traditional institutions), and asset diversification (cryptocurrencies, international ETFs, and green bonds are gaining ground).

In this context, choosing the ideal brokerage has become both an opportunity and a challenge. To facilitate this decision, we present an analysis of 8 platforms leading this segment, each with distinct features that cater to different profiles of beginner investors.

Platforms That Stand Out in the Market

1. Nubank Investments: Leading in Mobile Experience

As a pioneer in the 100% digital banking segment, Nubank brought its philosophy to the investment universe through Nu Investe (formerly known as Easynvest). The platform significantly expanded its portfolio in 2025.

What it offers: CDB yielding 220% of the CDI, fractional shares, Bitcoin, real estate funds with no fee. An AI assistant personalizes recommendations according to the user’s profile. Brokerage fees are waived for orders under R$ 1,000, and withdrawals via Pix are completely free.

2. XP Investments: Global Reach and Sophistication

Established as one of the most recognized names among Brazilian investors, XP Investments manages a portfolio of 6.2 million clients and offers unprecedented access to international markets.

Operational highlights: Connection to 12 global stock exchanges, staking options in crypto assets, access to private pension programs. Brokerage starts at R$ 1.90 for trades on the Brazilian stock exchange. In the first term, ETFs are free of management fees. A technological differentiator is the XP Futuro platform, which uses virtual reality for investment simulations.

3. Toro Investments: Economy and Practicality

Operating since 2010 as part of the Santander conglomerate, Toro Investments has built its reputation through reduced costs and a user-friendly interface, making it particularly recommended for those starting this journey.

Features: Available in web and mobile versions, combining standard sector functionalities with specialized tools for intraday operations—especially valuable for day trade beginners. A notable advantage is zero brokerage for stocks, a rare feature in the market.

4. Rico Investments: Intelligent Automation

Under the XP Group umbrella, Rico Investments stands out for implementing investment robots that automate strategies according to client goals.

Main features: Portfolios built by algorithms, intraday operations with a fixed fee of R$ 0.99, exemption from brokerage fees on ETFs and index funds. Rico Radar functions as a real-time alert system, delivering notifications directly to WhatsApp.

5. Clear: Minimalism and Efficiency

Although part of the XP ecosystem, Clear operates independently, focusing on radical digital simplicity. Its interface eliminates complexities, making it ideal for operators seeking maximum agility.

Product offerings: Fractional shares, binary options, and access to crypto assets through a partnership with Mercado Bitcoin. The standout feature is Clear Zen mode, which implements psychological protection by blocking new operations after a sequence of losses, preventing impulsive decisions.

Cost structure: Zero brokerage on all products, with a withdrawal fee set at R$ 3.90.

6. BTG Pactual Digital: Focus on Sustainability

BTG Pactual’s digital arm channels the group’s expertise to serve both conservative and aggressive investors, with particular emphasis on sustainable products.

Environmental differentiators: The offering includes Green Treasury (IPCA + 6%), Real Estate Funds with a neutral carbon footprint, and carbon credits. Initial investments below R$ 5,000 are fee-free, and BTG offers its own certification in personal finance through the BTG Educa program.

7. Órama: The Path of Continuous Education

For those seeking comprehensive financial planning, Órama offers sophisticated tools such as income tax calculators, along with a robust educational ecosystem.

Educational catalog: 150+ free courses and live mentoring sessions, positioning the platform as a leader in financial literacy. Products include multi-market funds, LCI/LCA with daily redemption, and opportunities in real estate crowdfunding.

Incentives: The Órama Start program provides R$ 100 for initial investments. Early investments are fee-free, with performance remunerated only by a 10% share of realized gains.

8. MiTrade: Global Accessibility

Designed as a simple yet comprehensive solution, MiTrade democratizes access to multiple markets, with extensive educational material for those who want to build a foundation before trading.

Asset range: Over 500 instruments including Bitcoin, Ethereum, and commodity contracts. The spread starts at 0.03%, and deposits via Pix are free of charge. The MiTrade Simulator allows practice trading without risk of real loss.

Conclusion: Choosing Your Brokerage

The journey to find the best brokerage for beginners is not simple given the multitude of options. The mapping above consolidates eight institutions that combine technical reliability with differentiated proposals. The final choice should consider your personal goals, risk tolerance, interest in specific assets, and preference for interface and support. Each platform presented offers particular advantages—from continuous education to automation, from sustainability to internationalization. The next step is to evaluate which proposal best aligns with your profile as a beginner investor.