Platform for Beginner Traders: Analysis of the 8 Best Brokers in 2025

For those starting out in the investment world, choosing the right brokerage is a crucial decision. In 2025, the Brazilian market offers dozens of options, from traditional institutions to innovative digital platforms. The challenge is to identify which one best aligns with your profile, needs, and financial goals.

This guide details the eight main platforms for beginner traders available in Brazil, analyzing their features, costs, security, and competitive advantages. Keep following to make an informed choice.

[Microsoft 469.59 Price -0.56% Charts 1D]( [Apple 264.72 Price -0.80% Charts 1D]( [Amazon 235.58 Price 1.22% Charts 1D]( [Alphabet 317.1 Price 0.07% Charts 1D]( [Tesla 437.87 Price -2.90% Charts 1D]( [Negociar](

The Investment Brokerage Scene in 2025

Brazil is experiencing a period of expansion in the investment segment. According to B3 data, 18 million new investors entered the market, driven by three main factors:

• Accessible technology: Over 70% of new investors use platforms that offer integrated educational content within the apps
• Cost reduction: Digital brokerages charge fees up to 80% lower than conventional institutions
• Diversified portfolio: Easy access to cryptocurrencies, global index funds, and environmentally responsible securities

The 8 Main Players for Beginner Traders

Below, you will find an in-depth analysis of the eight leading investment brokerages in the market. Each offers a unique proposition, allowing beginner investors to identify which best suits their style and goals. All share technical excellence and operational reliability:

1. Nubank Investments: Digital Experience First

Nubank has established its reputation as a pioneer in the digital transformation of the banking sector. Its brokerage (Nu Invest, formerly Easynvest), maintains this philosophy, prioritizing ease of use and 100% remote operations.

• Value Proposition: Leadership in digital experience, expanded in 2025 with the inclusion of cryptocurrencies and specialized thematic ETFs (ESG, technology)
• Catalog: CDB with 220% of the CDI return, fractional shares, Bitcoin, and real estate funds with no management fee
• Pricing Structure: Zero brokerage for orders under R$ 1,000; free Pix withdrawals
• Competitive Highlight: AI assistant integrated into the app for personalized investment suggestions

2. XP Investments: Market Reach and Strength

XP has solidified its position as the largest Brazilian brokerage through aggressive campaigns and constant modernization of its services. Its name is now a reference even among novice investors.

• Positioning: Dominates the market with a client base of 6.2 million and strategic partnerships (access to Nasdaq)
• Offered Products: Trading on 12 international stock exchanges, crypto staking services, and supplementary pension plans
• Fee Table: Brokerage starting at R$ 1.90 for domestic stocks; no management fee on ETFs in the first year
• Technological Edge: XP Future platform with immersive virtual reality simulations

3. Toro Investments: Tradition with Low Cost

Toro has been operating since 2010, establishing a national presence. Its strategic positioning emphasizes reduced costs, making it attractive for those beginning their market journey. It operates under the Santander umbrella.

• Operational Model: Offers intuitive navigation via app and web, with various features for multiple profiles
• Specialties: While maintaining standard offerings, Toro stands out with tools for day trading, especially accessible to beginners
• Cost Structure: Basic services without charges, including brokerage in stocks—a rare feature in the segment

4. Rico Investments: Automation for the Modern Investor

Integrated with XP, Rico positions itself as a specialist in automated solutions, allowing investors to implement strategies without constant manual operation.

• Strategic Focus: Investment robots that automate decisions based on predefined parameters
• Resources: Portfolios suggested by sophisticated algorithms; day trading with a fixed fee of R$ 0.99
• Fee Policy: Zero brokerage on ETFs and index funds
• Innovation: Rico Radar tool sends real-time alerts via WhatsApp

5. Clear: Minimalism and Functionality

Although linked to the XP group, Clear operates independently, focusing on the digital segment with an emphasis on operational simplicity.

• Proposal: Maximum cost and process reduction, ideal for direct operations
• Portfolio: Fractional shares, options, access to cryptocurrencies via partnership (Mercado Bitcoin)
• Costs: Zero brokerage on all assets; withdrawal fee: R$ 3.90
• Special Feature: Clear Zen mode blocks operations after consecutive losses, preventing emotional decisions

6. BTG Pactual Digital: Purpose-Driven Investments

BTG expanded its operations with a dedicated digital arm, offering options for both conservative and aggressive profiles.

• Emphasis: Sustainable investments with Green Finance certification for clean energy projects
• Offers: Green Treasury (IPCA + 6%), carbon-neutral real estate funds, and carbon credit securities
• Fees: No fee for initial investments below R$ 5,000
• Educational Program: BTG Educa offers certification in personal finance management

7. Órama: Education as a Differentiator

Órama integrates various aspects of the user’s financial life, offering tools like income tax simulators beyond its core investment services.

• Main Differentiator: Renowned for education, providing over 150 free courses and synchronous mentoring
• Products: Multi-market funds, LCI/LCA with immediate mobilization, and real estate crowdfunding platform
• Fees: No initial fee for first investments; 10% performance fee on profits
• Initiative: Órama Start program distributes R$ 100 for first investments

8. MiTrade: Global Accessibility

MiTrade offers a streamlined yet robust platform, with abundant study materials for beginners seeking theoretical grounding before operationalizing.

• Profile: International brokerage focusing on cryptocurrencies and emerging markets
• Asset Universe: Over 500 instruments, including Bitcoin, Ethereum, and commodity contracts
• Costs: Minimum spread of 0.03%; no deposit fees via Pix
• Practical Tool: Mitrade simulator allows practicing trades without real capital

**[Start Trading Now]( Register and Receive a US$ 100 Bonus

Guidelines for Choosing Your Brokerage

Selecting a platform for a beginner trader involves multifactorial evaluation. It is recommended to prioritize: (1) fee structure aligned with your expected volume, (2) intuitive and responsive interface, (3) availability of educational content, (4) variety of assets you wish to operate.

Conclusion

The 2025 landscape features investment brokerages with superior technical quality compared to previous cycles. The abundance of options, though requiring careful analysis, benefits beginners by enabling precise selection according to individual preferences.

The eight listed platforms represent the best the market has to offer today. Your next step is to investigate each according to your personal criteria and start your journey consciously and securely.

3 steps to start your trading

1. Register - Fill in your information
2. Deposit funds - Minimum deposit of 5USD
3. Start trading - [Start](