## What is the Best App to Invest in the Stock Market in 2025? Complete Guide for Beginners

The race for the best investment apps has intensified in Brazil. With the addition of 5 million new investors in 2024 and a projected 20% growth for 2025, the market keeps evolving. But which is the best app to invest in the stock market? The answer isn't straightforward – it depends on your profile, goals, and, most importantly, the features each platform offers.

Millennials and Gen Z are leading this digital financial revolution, demanding intuitive interfaces, fair fees, and access to global assets such as cryptocurrencies, international ETFs, and foreign company stocks. The demand for international diversification has grown exponentially, transforming the Brazilian investment landscape.

## The Criteria That Define a Good Stock Market App

More than just enabling buying and selling of stocks, an investment app needs to be a secure bridge between your assets and market opportunities. When choosing the best app to invest in the stock market, consider:

**Security First**
Look for platforms with international certifications, robust anti-fraud systems, and regulatory compliance. Cutting-edge technology should be invisible to the user, ensuring peace of mind during transactions.

**Transparent and Competitive Fees**
Zero brokerage on some products, but watch out for additional costs from B3, day trade fees versus swing trade, etc. Compare thoroughly – small differences add up over time.

**Integrated Financial Education**
Apps offering microlearning (short videos, quizzes), gamified educational materials, and market simulators increase your chances of success.

**Advanced Tools**
Real-time charts, predictive data analysis with AI, integration with financial goals, and even demo accounts for risk-free practice.

**Asset Diversification**
Access to domestic and international stocks, real estate funds, ETFs, public and private bonds, and increasingly, local cryptocurrencies.

## The 7 Best Apps to Invest in 2025

### 1. Mitrade – The Global Choice with Predictive Technology

Recognized internationally for security and innovation, Mitrade offers an intuitive environment for beginners and intermediates. Its differential lies in cutting-edge technology, real-time charts, and market analysis pointing to the best profit opportunities.

A valuable feature is the free demo account – you practice without risking real money, boosting your confidence before actual trades. It offers zero brokerage, diversification in stocks, cryptocurrencies, forex, commodities, with accessible educational material within the app.

**Rating:** 4.6 ⭐⭐⭐⭐

**Main advantages:**
- Beginner to intermediate investors
- Multiple international security awards
- Zero fees with no surprises
- Integrated market forecasts
- Demo account (demo)

**Limitations:**
- Less presence in the Brazilian market compared to local competitors

### 2. Rico – Financial Democracy for Young Investors

Developed to democratize market access, Rico combines accessible language with diversified products: stock exchange, public and private bonds, investment funds. Its real highlight is quality educational content, designed for those starting out.

The platform prioritizes the experience of beginner users, with a clear interface and explanatory materials that facilitate initial operations.

**Rating:** 4.4 ⭐⭐⭐⭐

**Main advantages:**
- Ideal for beginners
- Proven security
- Zero brokerage (except B3 fees)
- Structured educational content
- User-friendly interface

**Limitations:**
- Integration with larger corporate structures that some criticize

### 3. Toro – Focus on Personalization and Flexibility

Since 2017 in the market, Toro has evolved to offer a hybrid experience combining innovative technology and robust security. Its app contains extensive educational material and is particularly suitable for investors moving beyond the initial phase.

The key differential is the option to choose brokerage models (zero fee or percentage on profits), better adapting to your investment style.

**Rating:** 4.4 ⭐⭐⭐⭐

**Main advantages:**
- Beginner to intermediate investors
- Modern technology and security
- Flexible brokerage models
- Quality educational material
- Personalized investor journey

**Limitations:**
- Depending on the chosen model, fees may impact your returns

### 4. XP Investimentos – Direct Access to International Markets

Exponential growth in Brazil is due to XP’s strategic expansion, shifting from a specialist in large volumes to serving retail investors as well. It offers a broad portfolio of domestic and international products, with simulators that allow you to visualize potential gains before investing.

Recommended mainly for intermediate investors with higher capital available.

**Rating:** 4.6 ⭐⭐⭐⭐

**Main advantages:**
- Intermediate investor
- Proven security
- Zero brokerage on certain products
- Investment simulator
- Expert recommendations
- Direct access to NASDAQ/NYSE

**Limitations:**
- Fees in day trade (R$ 2.90) and swing trade (R$ 4.90) on stocks and BDRs
- Main advantages for investors with larger capital

### 5. Nu Invest – Simplified Banking Integration

Born from the acquisition of a well-established brokerage, Nu Invest is now part of a widely known digital bank ecosystem. It offers over a thousand products (stocks, real estate funds, ETFs), with a focus on a conservative and secure approach.

Ideal for those seeking conservatism, with quick account opening and banking system integration.

**Rating:** 4.6 ⭐⭐⭐⭐

**Main advantages:**
- Beginner/conservative investor
- Integrated security
- Quick account opening
- Zero brokerage on some products
- Investment simulator
- Pix integration

**Limitations:**
- Oriented toward a more conservative profile
- Fees in day trade (R$ 2.90) and swing trade (R$ 4.90)

### 6. Banco Inter – Inter Invest for Microinvestors

An investment platform integrated with the digital banking system that offers zero brokerage (except B3) and simplified access. Quality educational materials and competitive fees are its main attractions.

Mainly accessible for existing clients, focusing on beginners.

**Rating:** 4.8 ⭐⭐⭐⭐

**Main advantages:**
- Beginner investor
- Up-to-date security
- Zero brokerage (except B3)
- Educational materials
- User-friendly platform
- Support for local cryptocurrencies

**Limitations:**
- Restricted access to existing clients

### 7. Avenue – Gateway to International Investments

Specialized in facilitating investments abroad, Avenue offers a unique proposition: a dollar checking account and simplified access to international assets. Ideal for those looking to grow their wealth outside Brazil.

Robust anti-fraud system and ease for intermediaries already familiar with investments.

**Rating:** 4.0 ⭐⭐⭐⭐

**Main advantages:**
- Intermediate investor
- Advanced security and anti-fraud
- Dollar account and international investments
- Free app
- Access to SPACs and international assets

**Limitations:**
- Additional costs in dollars for brokerage

## Quick Comparison Table

| App | Brokerage | Profile | Differentiator |
|---|---|---|---|
| **Mitrade** | Zero | Global and agile | Predictive AI and demo account |
| **Rico** | Zero (except B3) | Young investors | Education and social interface |
| **Toro** | Varies | Personalization | Adaptable journey |
| **XP Investimentos** | R$ 2.90-4.90 | Intermediates | Access to NASDAQ/NYSE |
| **Nu Invest** | Zero (except day trade) | Conservative | Safe mode and integration |
| **Inter Invest** | Zero (except B3) | Microinvestors | Local cryptocurrencies |
| **Avenue** | US$ 5 (average) | International | Dollar account |

## Why Investors Should Deliberate Carefully

The Brazilian investment market is experiencing a golden moment. International brokerages with advanced standards, Portuguese support, and intuitive interfaces are transforming how Brazilians access global opportunities.

Choosing the best app to invest in the stock market now is more critical than ever. Each platform has its niche: those wanting to practice before risking, seeking adaptive education, or aiming for international diversification will find specific solutions.

Healthy competition among these institutions drives continuous improvements in security, features, and benefits offered. Therefore, when starting your investor journey or aiming to improve your returns, take the time to evaluate which app best aligns with your market knowledge, risk profile, and financial goals.

The moment is ripe – technology is democratizing access, fees are decreasing, and knowledge is more accessible than ever. Your choice of the best app to invest in the stock market could be decisive for your success on this path.