Complete Guide: Choosing the Best Exchange for Beginners and Traders in 2025

The Investment Landscape in Brazil in 2025

The Brazilian investment market is undergoing significant transformation. According to B3 data, 18 million new investors have entered the market, driven by three main factors:

• Democratization of knowledge: Platforms with integrated tutorials reach 70% of users
• Cost reduction: Digital brokerages charge up to 80% less than traditional institutions
• Product expansion: Easy access to cryptocurrencies, international ETFs, and green bonds

In this context, choosing the right brokerage is essential. Here are the 8 platforms that stand out the most, each with a specific profile.

Platforms for Beginners Focused on Experience

Nubank Investments: The Complete Digital Ecosystem

Recognized for revolutionizing the digital banking market, Nubank expanded its portfolio in 2025 with Nu Investe (formerly Easynvest), offering a 100% mobile environment.

Main features:

• AI assistant for personalized suggestions
• CDB yielding 220% of the CDI
• Access to Bitcoin and thematic ETFs (ESG, technology)
• Fractional shares with no fee
• Free Pix withdrawals
• Zero brokerage for operations under R$ 1,000

Ideal for those prioritizing convenience and starting with small amounts.

XP Investments: The Platform with the Largest Reach

With 6.2 million clients, XP has consolidated its position through continuous innovation. The platform offers exclusive partnerships and advanced tools.

Differentials:

• Access to 12 global stock exchanges
• Virtual reality investment simulations (XP Future)
• Cryptocurrency staking
• Integrated private pension
• R$ 1.90 brokerage fee on Brazilian stocks
• First year of ETFs without management fee

Recommended for beginners who want to grow and access international markets.

Órama: Financial Education as a Differentiator

Winner in educational materials, Órama offers 150+ free courses and live mentoring to develop knowledge.

Special offers:

• Órama Start Program: R$ 100 for the first investment
• Integrated income tax calculator
• LCI/LCA with daily liquidity
• Multi-market funds
• Real estate crowdfunding
• Zero initial fee for investments

Best for those who want to learn while investing.

Brokerages Specializing in Day Trading

Toro Investments: Zero Cost for Basic Operations

Operating since 2010 and part of the Santander group, Toro stands out for its accessible approach to day trading.

Advantages:

• Intuitive platform (web and mobile)
• Zero brokerage on stocks (a unique feature)
• Specific resources for beginner day traders
• Advanced technical analysis tools
• No fee on standard services

Excellent choice for those starting in day trading with minimized costs.

Rico Investments: Strategy Automation

Integrated with the XP group, Rico offers innovative solutions for operators.

Highlights:

• Investment robots for automation
• Portfolios recommended by algorithms
• Day trade with a fixed fee of R$ 0.99
• Zero brokerage on ETFs and index funds
• Rico Radar tool: real-time alerts via WhatsApp

Perfect for traders wanting to automate daily operations.

Platforms for Advanced Operators and Hedge Funds

BTG Pactual Digital: Sustainable Investments

Following the trend of traditional banks, BTG created a robust digital arm focused on ESG.

Offerings:

• Green Treasury (IPCA + 6%)
• Real estate funds with carbon neutrality
• Carbon credits for investment
• Certification in personal finance (BTG Educa)
• Zero initial fee for investments under R$ 5,000

Suitable for investors conscious of social and environmental impact.

Clear: Radical Simplicity with Zen Mode

Operating independently within the XP group, Clear eliminates unnecessary complexities.

Proposal:

• Fractional shares without intermediation
• Access to cryptocurrencies (partnership with Mercado Bitcoin)
• Zero brokerage on all products
• Clear Zen Mode: blocks impulsive decisions after consecutive losses
• Withdrawal fee: R$ 3.90

Suitable for traders seeking frictionless operations with emotional protection.

Global Platforms Focused on Cryptocurrencies

MiTrade: Global Reach and Cryptocurrencies

International brokerage specializing in emerging markets and digital assets.

Features:

• 500+ assets: Bitcoin, Ethereum, commodities, and indices
• Spread from 0.03%
• Zero deposit via Pix
• MiTrade Simulator: practice without risk
• Extensive educational materials

Ideal for those wanting to operate internationally with exposure to cryptocurrencies.

Comparative Summary for the Best Choice

Choosing the best brokerage depends on your profile and goals:

• Best mobile experience: Nubank Investments
• Best for low-cost day trading: Toro Investments
• Best global platform: XP Investments
• Best education: Órama
• Best automation: Rico Investments
• Best sustainability: BTG Pactual Digital
• Best simplicity: Clear
• Best for cryptocurrencies: MiTrade

Next Steps to Get Started

1. Register: Choose the brokerage aligned with your profile
2. Deposit funds: Start with comfortable amounts (many have deposits from R$ 5)
3. Practice: Use simulators before trading with real money
4. Monitor: Track your performance and adjust strategies as you gain experience

With the best brokerages for day trading and long-term investments now within reach, 2025 is the ideal year to start your journey in the financial market.