Stock Investment App Guide: Which One to Choose in 2025?

The Brazilian investment market is undergoing a significant transformation. With over 5 million new investors entering in 2024, the trend is that this number will grow by about 20% in 2025, primarily driven by young millennials and Gen Z seeking intuitive platforms and affordable fees. The demand for international diversification and crypto assets is also on the rise, reflecting interest in exposure to global markets.

In this dynamic scenario, choosing the best investment app is not just a matter of convenience but essential to maximize returns and ensure security in operations.

How to Identify the Best Investment App for Your Goals

Before comparing available options, it’s important to understand which criteria define a quality investment app. Beyond traditional factors like security, competitive fees, and ease of use, the market has evolved to require:

• Integration with financial goals: Tools that assist in long-term planning
• Adaptive education: Microlearning content, short videos, interactive quizzes(
• Sustainable options: Investments with ESG criteria )Environmental, Social, Governance(
• Advanced technology: AI and predictive analysis for trend identification
• Foreign currency accounts: For those seeking international diversification
• Real-time analysis: Charts and market insights constantly updated

A good investment app acts as a bridge between the investor and the market, ensuring resources are invested safely and strategically. Seemingly small details — such as an intuitive interface, quality educational material, and proper support — can make a big difference in the investor’s journey.

The 7 Top Investment Apps in 2025

) 1. Rico

Rico has established itself as a market option aimed at beginner investors. Part of the XP Inc. group, the platform offers accessible language and diversified products: stocks, public and private bonds, and investment funds.

Differentials: Robust educational material and integrated robo-advisor. Zero brokerage fee ###except B3 fees(.

Rating: 4.4 ⭐ | Ideal for: beginners

Strengths: Confirmed security, free app, structured educational content, user-friendly interface

Disadvantages: Part of a large conglomerate that consolidates investment offerings

) 2. Toro

Toro, acquired by Banco Santander, gained additional credibility since its founding in 2017. The platform stands out for its technological approach and offers extensive educational material for different investor profiles.

Differentials: Cutting-edge technology, multiple brokerage models, personalized investor journey

Rating: 4.4 ⭐ | Ideal for: beginners to intermediates

Strengths: Robust security, free app, quality educational content, flexible fee models

Disadvantages: Depending on the chosen model, brokerage fees may impact profits

3. XP Investments

XP Investments expanded its portfolio to serve both large investors and individuals with lower purchasing power. It offers a comprehensive range of domestic and international products, with an integrated simulator to project returns before investing.

Differentials: Direct access to NASDAQ/NYSE, expert recommendations, value simulator

Rating: 4.6 ⭐ | Ideal for: intermediates

Strengths: Established security, free app, investment comparison before investing, educational material

Disadvantages: Greater advantages concentrated among investors with higher capital ###R$ 2.90 fee for day trade and R$ 4.90 for swing trade on stocks(

) 4. Nu Invest ###Nubank(

Nu Invest, incorporated through the acquisition of Easynvest, has become Nubank’s investment platform. With over a thousand available products )stocks, real estate funds, ETFs(, it functions as a natural extension of the nationally recognized digital bank.

Differentials: Pix integration, secure mode for conservatives, account opening in minutes

Rating: 4.6 ⭐ | Ideal for: conservatives and beginners

Strengths: Recognized security, free app, accessible interface, integrated simulator

Disadvantages: Recommended for conservative profiles, with specific fees for day trade )R$ 2.90( and swing trade )R$ 4.90(

) 5. Inter Invest ###Banco Inter(

Banco Inter offers its investment solution through Inter Invest, integrated with the digital account. It features quality educational material and competitive fees, although it requires prior account opening at the digital bank.

Differentials: Reduced minimum investments, local cryptocurrencies, full banking integration

Rating: 4.8 ⭐ | Ideal for: micro-investors

Strengths: Security with modern technology, free app, quality educational content, ease of use

Disadvantages: Restricted access to Banco Inter clients

) 6. Avenue

Avenue specializes in facilitating international investments for Brazilians. It offers a US checking account and the ability to move funds in dollars, ideal for those seeking international wealth growth.

Differentials: SPACs, dollar card, easy access to international markets

Rating: 4.0 ⭐ | Ideal for: intermediates

Strengths: Efficient anti-fraud system, free app, dollar account, access for Itaú clients

Disadvantages: Brokerage costs in dollars, requires Itaú client for greater benefits

7. International Investors

International platforms with advanced quality standards and Portuguese support are also gaining space in the Brazilian market, offering predictive AI, thematic ETFs, and zero brokerage fees on various products.

Features: Global technology, ongoing financial education, advanced analysis tools

Practical Comparison: Which Investment App to Choose?

Why Investing in 2025 Requires the Right Choice?

The Brazilian stock market continues to grow, and brokerages are increasingly prepared, offering advanced features and fostering healthy competition. Paying attention to aspects such as:

• Certified security: Fraud protection protocols
• Modern functionalities: AI, simulators, and real-time analysis
• Competitive advantages: Financial education and Portuguese support
• Flexibility: Multiple investment options and fees

…becomes essential for both beginners and seasoned investors looking to optimize returns.

The growth trend of 20% new investors by 2025 indicates market expansion. Choosing a best investment app aligned with your profile — whether conservative, beginner, or intermediate — is key to leveraging this positive momentum.

Don’t waste time: explore available options, compare features and functionalities, and start your investment journey with technology and confidence. The market today offers mature, secure, and accessible solutions for different investor profiles.