Which Broker to Choose in 2025? Complete Guide for Beginners

The Brazilian investment market is undergoing rapid transformation. With 18 million new investors in 2025 according to B3 data, the number of platforms available is multiplying. But not all serve beginners well. This guide maps out 8 options that stand out for combining ease, security, and competitive costs.

Why Switch Brokers Now?

Financial education has gained the Brazilian. Data shows that 70% of users prefer platforms with integrated tutorials. At the same time, fees have dropped drastically—digital brokers charge up to 80% less than traditional ones. Today’s investors have access to cryptocurrencies, global ETFs, and sustainable bonds with just a few clicks.

This revolution especially affects those who want to start. The entry barrier has disappeared. Now the question is: which platform offers the best experience?

Platforms for the Digital Beginner

Nubank Investments: leader in mobile interface, expanded its catalog in 2025 with Bitcoin and thematic ETFs. CDB yields 220% of the CDI. Fractional shares with zero brokerage below R$ 1,000. The standout feature is the AI assistant that personalizes recommendations. Pix withdrawals are fee-free.

XP Investments: dominates with 6.2 million clients and access to 12 global exchanges. Brokerage starts at R$ 1.90 for Brazilian stocks. Offers cryptocurrency staking and virtual reality experiences to simulate investments. ETFs have zero fees in the first year.

Órama: won the education category with 150+ free courses and live mentoring. Multi-market funds and real estate crowdfunding are part of the portfolio. Zero fees for initial investments. R$ 100 bonus for opening an account.

Options for Those Who Want to Do Day Trading

This segment deserves special attention. Beginners often ignore that day trading requires a robust platform and low costs.

Toro Investments: the best broker for day trading among beginners. Part of Santander group and offers zero brokerage on stocks—unique feature. The intuitive interface on both web and app facilitates quick operations. Specific features for day trading make the experience less intimidating for newcomers.

Rico Investments: integrated with the XP group, stands out for robots that automate strategies. Day trading runs with a fixed fee of R$ 0.99. The Rico Radar tool sends real-time alerts via WhatsApp. Zero fees on ETFs and index funds.

Minimalist and Low-Cost Solutions

Clear: independent within the XP ecosystem, promises simplified operations. Zero brokerage on all products. Fractional shares and cryptocurrencies via partnership with Mercado Bitcoin. The Clear Zen mode blocks impulsive trades after consecutive losses. Withdrawal costs R$ 3.90.

BTG Pactual Digital: bets on sustainable investments with the Green Finance seal. Green Treasury yields IPCA + 6%. Neutral carbon REITs and carbon credits complement the offering. Zero fees for initial investments below R$ 5,000. Offers certification in personal finance.

Global and Differentiated Alternatives

MiTrade: global broker that simplifies access to 500+ assets. Bitcoin, Ethereum, and commodity contracts. Spread starts at 0.03%. Zero deposit fee via Pix. The simulator allows practicing risk-free before investing real money.

How to Decide Among So Many Options

The choice doesn’t follow a formula. Each investor has different priorities. Those who value education find strength in Órama and Nubank. Day traders need Toro or Rico. Those seeking minimal costs go to Clear. Those who want sustainability choose BTG.

The market in 2025 offers real freedom of choice. Use tutorials, test platforms, compare fees. The best broker for investments is the one that aligns with your profile and goals.