The Best Investment Apps for 2025: Complete Guide for the Brazilian Investor

The investment sector in Brazil is experiencing rapid growth. According to B3 data, over 5 million new investors entered the market in 2024, with a forecasted growth of 20% in 2025. Millennials and Gen Z are leading this movement, seeking platforms that combine intuitive technology, competitive fees, and quality financial education.

In this scenario, choosing the best app to invest in the stock market has become a crucial decision for anyone looking to enter or expand their portfolio. The demand for international diversification, crypto assets, and investment funds has grown substantially, reflecting the maturation of Brazilian investors.

What to Consider When Choosing an Investment App

Beyond traditional criteria—security, fees, and ease of use—the market has evolved significantly. The best apps for investing today offer:

• Integration with financial goals: Long-term planning tools and wealth tracking
• Gamified education: Microlearning content (short videos, quizzes, simulators)
• ESG options: Investments aligned with sustainability and governance
• Analysis technology: AI to identify trends and optimize portfolios in real time
• Multilingual support: Efficient customer service

A good application acts as a bridge between the investor and the market, ensuring transaction security and operational transparency. Therefore, small details make a difference when selecting the best app.

Top 7 Investment Apps in 2025

1. Rico

The platform has gained prominence in recent years as a go-to for beginner investors. With a youthful and accessible language, it offers investments in stocks, public and private bonds, and funds. Its biggest differential is high-quality educational content.

Rating: 4.4 ⭐⭐⭐⭐ | Android and iOS

Advantages:

• Ideal for beginners
• Free app with zero brokerage fees (except B3)
• Comprehensive educational material
• User-friendly interface

Disadvantages:

• Focus on a specific market segment may limit independence

2. Toro Investimentos

Active since 2017 and acquired by Banco Santander, Toro values technology and security. It offers a wide investment portfolio with extensive educational material for beginners.

Rating: 4.4 ⭐⭐⭐⭐ | Android and iOS

Advantages:

• Cutting-edge security technology
• Free app with various brokerage models
• Quality education
• Suitable for beginner to intermediate profiles

Disadvantages:

• Brokerage fees may impact final returns depending on the chosen plan

3. XP Investimentos

One of the fastest-growing brokerages in Brazil, expanding from a large-volume specialist to also serve individual investors. Offers a national and international portfolio with an integrated investment simulator.

Rating: 4.6 ⭐⭐⭐⭐ | Android and iOS

Advantages:

• Established security
• Investment simulator
• Educational content and expert recommendations
• Free app (with R$ 2.90 day trade fee, R$ 4.90 swing trade fee)

Disadvantages:

• Greater advantages are concentrated for investors with higher capital

4. Nubank - Nu Invest

Resulting from the acquisition of the former Easynvest, Nu Invest represents Nubank’s investment platform. It offers over a thousand products: stocks, real estate funds, and ETFs.

Rating: 4.6 ⭐⭐⭐⭐ | Android and iOS

Advantages:

• Free with zero fees on some products
• Quick account opening (in a few minutes)
• Integrated simulator
• Suitable for conservative profiles

Disadvantages:

• Mainly recommended for conservative investors
• R$ 2.90 fee (day trade) and R$ 4.90 (swing trade) on stocks

5. Banco Inter - Inter Invest

Known to Brazilians as a digital bank, Inter also operates as a brokerage. It offers an integrated account with quality educational material and competitive fees.

Rating: 4.8 ⭐⭐⭐⭐ | Android and iOS

Advantages:

• Free with zero brokerage fees (except B3)
• Quality educational content
• Simple and intuitive interface
• Great for beginners

Disadvantages:

• Exclusive access for bank clients
• Requires a prior Banco Inter account

6. Avenue

Specialized in international investments, Avenue facilitates access to global opportunities. It offers a dollar checking account and support for investments outside Brazil.

Rating: 4.0 ⭐⭐⭐⭐ | Android and iOS

Advantages:

• Dollar account and US banking
• Efficient anti-fraud system
• Free app with variable brokerage costs
• Ideal for those seeking to expand wealth abroad

Disadvantages:

• Additional costs in dollars for brokerage
• Easier access for Itaú clients

7. International Platform

Considering the growing demand for international standards of quality, many investors seek apps with global certifications, multilingual support, and predictive technology. The market offers several reputable international options.

Rating: Varies by platform

General features:

• Real-time charts
• Automated market forecasts
• Demo accounts for practice
• Zero brokerage fees on some instruments
• Complete educational material

Comparison Table: Which App to Choose?

Market Trends for Stock Investing Apps in 2025

The investment app market continues to evolve. Trends dominating 2025 include:

AI-driven personalization: Platforms use algorithms to tailor educational content to user profiles.

Thematic investments: Thematic ETFs (sustainability, innovation, artificial intelligence) are gaining ground.

Integrated communities: Apps that connect investors to share analysis and insights.

Micro-investments: Lower minimum investment amounts to democratize market access further.

Real-time data analysis: Market information updated instantly with automatic recommendations.

How to Get Started: Step-by-Step

1. Define your profile: Beginner, intermediate, or advanced?
2. Identify your priorities: Education, low fees, international diversification?
3. Test the interface: Most apps offer demo versions or virtual accounts
4. Compare fees and features: Don’t choose based solely on cost
5. Check reputation: Ensure regulation and security
6. Start small: Get familiar before making large investments

Conclusion

The best app for investing in the stock market in 2025 depends on your profile, goals, and knowledge level. The market offers secure, technological, and accessible options for everyone. With over 5 million new investors in 2024 and growth forecasted, choosing a reliable platform with good features is essential to maximize returns and build solid investment knowledge.

Regardless of your choice, remember: continuous education, diversification, and patience are key to success in the stock market. Regularly evaluate your app and strategies as you grow as an investor.