What is the Best Platform for Beginner Traders in 2025? Complete Guide to the Top 8

In 2025, Brazil is experiencing a boom in the investment universe. B3 records 18 million new traders entering the market, and the proliferation of digital platforms has completely changed the game. If you’re just starting out, choosing a brokerage can seem daunting. This guide breaks down the 8 most solid options available, organized by investor profile.

Why 2025 is the Year of Beginner Traders?

The numbers speak for themselves. Three factors exploded simultaneously:

Mass Education: 7 out of 10 new investors use platforms with integrated tutorials, reducing entry barriers.

Cost Revolution: Digital brokerages charge up to 80% less than traditional ones. This means zero brokerage fees in many cases and free Pix withdrawal fees.

Democratized Access: Bitcoin, international ETFs, and ESG bonds are no longer exclusive to those with millions. Now anyone with a smartphone can diversify.

The Most Interesting Platforms According to Your Profile

If You Want Total Simplicity: Nubank Investments

Starting without complications is Nubank’s mantra. The brokerage (known as Nu Invest) transformed in 2025 with relevant news:

• Fractional Entry: Fractional shares and Bitcoin in the same app
• Zero costs: No brokerage for transactions under R$ 1,000, free Pix withdrawals
• Technology: AI assistant suggesting personalized portfolios
• Differential: Thematic ETFs (ESG, technology) pre-assembled

The target audience here is those who want to open the app, understand in 30 seconds, and start. It works.

For Those Who Want Global Variety: XP Investments

With 6.2 million clients, XP dominates by offering more options. While other platforms focus on Brazil, XP opens the doors to 12 international exchanges.

• Access: Nasdaq, NYSE, and other global markets directly from the app
• Fees: Starting at R$ 1.90 per trade in Brazilian stocks
• Innovation: Platform with virtual reality to simulate investments
• Bonus: Cryptocurrency staking and private pension integrated

It’s the choice for those who want to grow beyond B3.

If Day Trading Is Your Goal: Toro Investments

Operating since 2010, Toro has understood a specific niche: traders who want to practice more active operations without bleeding money in fees.

• Focus: Platform designed specifically for beginner day trading
• Costs: Zero brokerage in stocks (a rare feature in the market)
• Interface: Intuitive on web or mobile, no complex installation needed
• Advantage: Part of the Santander Group, adding institutional security

Smart Automation: Rico Investments

Integrated into the XP ecosystem, Rico brought something different: robots that invest on your behalf.

• Algorithms: Portfolios recommended by machine learning
• Optimized day trading: Fixed fee of R$ 0.99
• Alerts: Rico Radar notifies in real time via WhatsApp
• Zero fee: ETFs and index funds with no charges

Ideal for those who don’t want to think about each decision.

Minimalist Finance: Clear

Also under the XP umbrella, Clear bet on the opposite: reducing everything to the essentials.

• Simplicity: Zero brokerage in all products
• Emotional protection: Zen mode blocks operations after consecutive losses
• Crypto access: Integration with a cryptocurrency platform for those wanting to explore
• Withdrawal fee: Only R$ 3.90

It’s the platform for minimalists seeking maximum emotional security.

Conscious Investing: BTG Pactual Digital

BTG positioned itself in a growing segment: investors who want profit but also want to know they are funding renewable energy and sustainable projects.

• Green focus: Green Treasury (IPCA + 6%) and funds with carbon credit
• Education: Free certification in personal finance
• Initial fee: Zero for investments below R$ 5,000
• Differentials: Green Finance seals verify the sustainable origin of assets

Education First: Órama

Órama gained fame not for having the largest variety, but for investing heavily in teaching beginners.

• Courses: 150+ free courses and live mentoring
• Bonus: R$ 100 for first investments (Órama Start program)
• Variety: Multi-market funds, real estate crowdfunding, LCI/LCA with daily liquidity
• Support: Integrated income tax calculator

If you want to learn while investing, this is the place.

Global Scale: MiTrade

While others focus on Brazil, MiTrade is the global platform you choose when you want 500+ assets in one place.

• Coverage: Bitcoin, Ethereum, commodities, and emerging markets
• Security: Simulator to train without real risk
• Entry fee: Spread starting at 0.03%, zero deposit fee via Pix
• Access: Crypto assets and markets that others do not offer

How to Choose Your Platform?

The decision depends on 3 questions:

1. Where do you want to invest? Only Brazil? Then Toro or Nubank. Global markets? XP. Heavy crypto? MiTrade.

2. How much time do you have? Want automation? Rico. Want to learn? Órama. Want to do it manually? XP.

3. What’s your risk profile? Conservative? BTG. Aggressive day trader? Toro. Balanced? Clear.

Next Step

Start small. Open an account on one of these platforms, make a minimum deposit, and invest R$ 100 or less to see how it works. The best platform for a beginner trader is the one you actually use, not the one that promises the world but never delivers.

The market won’t end tomorrow. No rush to go full throttle. Test, learn, then increase.