Practical Guide: What is the Best App to Invest in 2025

2026-01-04 10:49:52

The investment landscape in Brazil is undergoing transformation. According to 2024 data, over 5 million new investors have entered the market, and projections indicate a 20% growth for this year. This boom is primarily driven by millennials and Gen Z, who seek intuitive platforms, competitive fees, and easy access to global assets. In this context, choosing the best app to invest has become a crucial decision to maximize returns and ensure security.

What has changed in the investment market in 2025

The democratization of access to stock exchanges has opened doors for a new generation of investors. Demand for foreign investments, cryptocurrencies, and international funds has grown exponentially. The platforms that stand out in 2025 are those that combine three essential elements:

Advanced technology with real-time data analysis
Robust security and international certifications
Accessible and gamified financial education
Dollar accounts and support for international transactions

These criteria define which are truly the best applications for those who want to start or deepen their investments this year.

Fundamental criteria for choosing your app

When evaluating the best app to invest, consider much more than just fees. A good app should serve as a bridge between you and market opportunities, offering:

Security first: Look for platforms with international security awards and proven transparency in transactions.

Clear fees: Modern apps offer various models — from zero fee with profit sharing to fixed fees per transaction. Understand which model suits your profile.

Educational resources: Quality material in short videos, quizzes, and investment simulators are important differentiators for beginners.

Asset versatility: The best choice allows investing in stocks, ETFs, government bonds, cryptocurrencies, and international assets on a single platform.

Integration with financial goals: Long-term planning tools and robo-advisors that automate decisions according to your profile.

Emerging trends: ESG options, AI for trend analysis, and dollar accounts for investors seeking international diversification.

Overview of the main platforms in 2025

Apps focused on beginners with global technology

Some platforms stand out for offering proven international security combined with an intuitive interface. These options allow beginners to practice on simulated accounts before investing real money, providing real-time charts, advanced technical analysis, and a variety of assets — from stocks to international commodities. Zero commission rates on various products and free account opening attract investors who want to start with minimal investment.

Rating: 4.6 ⭐ | Ideal profile: Beginner to intermediate | Highlight: Predictive AI and quality education

Platforms aimed at young audiences

Apps with a more relaxed and accessible language win over the younger generation. These platforms offer quality educational products, user-friendly interfaces, and competitive fees. Some options include robo-advisors (automatic assistants managing your portfolio) and social rankings that gamify investing. Zero brokerage fees (with possible exchange fees) make them attractive.

Rating: 4.4 ⭐ | Ideal profile: Young investors | Highlight: Social community and robo-advisor

Fintechs focused on customization

Companies that started as specialized brokerages have evolved to offer personalized solutions. These platforms bring cutting-edge technology, robust security, and diversified portfolios. They differentiate themselves by offering multiple brokerage models — clients choose between zero fees or percentage-based profits. Extensive educational material and support for beginner and intermediate investors are strengths.

Rating: 4.4 ⭐ | Ideal profile: Beginner to intermediate | Highlight: Structured educational journey

Platforms for intermediate investors

Large brokerages that expanded their portfolios from big to small investors offer a wide range of domestic and international products. These applications include value simulators, allowing comparison of investments and profit forecasts before making contributions. Recommendations from experts and access to in-depth analysis highlight these platforms, although many benefits are concentrated on investors with higher initial capital.

Rating: 4.6 ⭐ | Ideal profile: Intermediate | Highlight: Direct access to NASDAQ/NYSE( | Fee: R$ 4.90 per transaction

) Digital banks with integrated services

Digital financial institutions recognized in Brazil have added investment services. These apps offer over a thousand products ###stocks, real estate funds, ETFs( and integration with checking accounts and Pix. Account opening takes minutes, and the interface is simplified for conservative users. Fees vary depending on the type of transaction and asset — usually zero in some products, with specific fees for day trading and swing trading.

Rating: 4.6 ⭐ | Ideal profile: Conservative/beginner | Highlight: Banking integration and secure mode

) Alternative digital banks with competitive fees

Digital banks that also act as brokerages offer an integrated investment environment. Positive points include quality educational material, competitive fees, and ease of use for clients who already have a bank account. The downside is that access is restricted to account holders.

Rating: 4.8 ⭐ | Ideal profile: Beginner ###bank customer( | Highlight: No brokerage fee

) Platforms focused on international investing

For those looking to grow wealth abroad, certain apps specialize in operations outside Brazil. They offer dollar checking accounts, US dollar cards, and access to international assets like SPACs. Their anti-fraud systems are robust. These platforms charge brokerage costs in dollars and generally have facilitated access for clients of partner financial institutions.

Rating: 4.0 ⭐ | Ideal profile: International-focused intermediate | Highlight: SPACs, dollar accounts, investments abroad | Fee: Average US$ 5 per transaction

Comparison table of the best apps to invest

Application Type	Fee Model	Investor Profile	Main Advantage	Rating
Global with AI	Zero fee on many assets	Beginner to intermediate	Predictive and thematic ETFs	4.6⭐
Youth and social	Zero fee ###except B3(	Young investors	Robo-advisor and ranking	4.4⭐
Personalized fintechs	Varies )zero or % profit(	Customization	Educational journey	4.4⭐
Intermediate investors	R$ 4.90 per transaction	Intermediates	Access to NASDAQ/NYSE	4.6⭐
Integrated banks	Zero fee )except day trade(	Conservative/beginner	Safe mode + Pix	4.6⭐
Alternative banks	Zero fee )except B3(	Micro-investors	No brokerage fee	4.8⭐
International	US$ 5 )average(	International	SPACs and dollar card	4.0⭐

Why choosing the right platform matters

The choice of the best app to invest goes beyond a nice interface or a well-known name. It’s about ensuring your money is employed safely, that you have access to tools that enhance returns, and that you can learn continuously.

The Brazilian investment market keeps growing. Brokerage professionals are increasingly prepared, offering sophisticated resources and fostering healthy competition. Paying attention to security, real functionalities, and the advantages offered is essential to enter the world of stocks or improve results if you already invest.

For beginners, apps with quality educational material, Portuguese support, international security standards, and an intuitive interface are decisive advantages. For more experienced investors, access to international markets, in-depth analysis, and multiple assets define the best choice.

The truth is, there is no single best app to invest — only the most suitable for your profile, goals, and level of knowledge. Carefully evaluate the options presented, consider your financial needs, and choose the platform that best aligns with your investment plan for 2025.

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