Complete Guide: Digital Platforms Dominating the Investment Market in 2024

The investment landscape in Brazil is undergoing rapid transformation. With so many options available, knowing which are the best banks to invest in requires a careful analysis of fees, accessibility, and product variety. Our detailed review highlights ten platforms that stand out in this expanding segment.

Essential Criteria When Choosing an Investment Platform

Before selecting where to invest your money, consider fundamental aspects. Fees charged, platform structure, the number of available assets, and personal priorities define the ideal choice. Some investors seek sophisticated international products, while others prefer simple operations without additional charges.

Platforms Focused on Diversification and Innovation

MiTrade positions itself as modern and intuitive, with an accessible interface and a robust catalog. Founded in Melbourne, it has established a presence in the market with awards that attest to quality. It offers forex, commodities, indices, cryptocurrencies, and ETFs. Without hidden fees, its main charge comes from the buy and sell spread.

Nubank revolutionized the Brazilian digital bank scene and recently expanded into investments. It integrates fixed income, variable income, proprietary cryptocurrencies, and international stocks. Most investments are free, except for specific operations such as dollar contracts (R$0.75).

Established Banks Expanding Investment Services

C6 Bank, in partnership with JP Morgan Chase, constantly expands its portfolio. The home broker offers smooth navigation and free brokerage, although custody of some products incurs specific costs.

Banco Inter combines a digital brokerage with a modern app. It offers exemption from brokerage and custody fees for stocks, funds, and Treasury Direct, with the added benefit of increasing credit limits through investments.

BTG Pactual Digital serves higher-income investors, with fixed income, multi-market funds, and international products. Brokerage fees vary according to the volume of operations.

Solutions for Different Investor Profiles

Next (Bradesco) prioritizes beginners with a focus on savings, funds, and fixed income. It offers free brokerage with a simplified structure.

XP Investimentos maintains quality advisory services now expanded to checking accounts. It offers fixed income, stocks, COEs, and derivatives with zero fees on stock purchases.

Banco Sofisa seamlessly integrates checking accounts and investments. With a fee of R$2.99 per executed order, it offers competitiveness in CDBs and LCI/LCA.

Íon (Itaú) modernizes the bank’s brokerage with stocks, fixed income, funds, and Treasury. It requires an Itaú account and offers exemption on many products.

Banco BS2 features an intuitive platform with fixed income, funds, and international investments. No costs to invest in fixed income, with fees applicable to variable income.

Main Feature Comparison

Each platform has a unique structure. MiTrade stands out for its global asset coverage. Nubank highlights integration with its checking account. C6 Bank and Banco Inter offer broad exemptions. BTG Pactual caters to the premium segment. Next serves conservative beginners. XP Investimentos provides advanced tools. Sofisa offers competitive rates. Íon ensures trust from a traditional bank. BS2 expands access to international markets.

Advantages of Investing via Digital Platforms

Managing finances and investments directly from apps eliminates the need for travel. Digital platforms offer a much broader portfolio than traditional institutions. From forex to multi-market funds, cryptocurrencies, and foreign investments—all in one environment. This democratization of access has transformed how people build wealth, making investments practical and accessible to various investor profiles.

Choosing the best banks to invest in depends on your specific needs. Analyze fees, available products, and ease of use of each platform before deciding where to allocate your resources.