The 7 Essential Apps for Investing in the Stock Market in 2025: A Complete Guide

The democratization of the Brazilian financial market has reached a new level. According to 2024 data, Brazil has witnessed the entry of more than 5 million new investors, with projections of a 20% growth for 2025. This boom is primarily driven by millennials and Gen Z, who seek agile, transparent platforms with reduced costs. The demand for exposure to international markets—ranging from cryptocurrencies to global ETFs—has completely transformed the profile of Brazilian investors, requiring sophisticated technological solutions and increasingly robust trading apps.

In this landscape of opportunities, choosing the right app is not a mere detail: it is the difference between profitability and loss. Platforms that integrate real-time data analysis, gamified financial education, dollar accounts, and predictive artificial intelligence are emerging as market leaders. Check out our detailed analysis of the main players in the sector.

Essential Criteria for Evaluating an Investment App

Before exploring the best options, it is crucial to understand what makes an app for investing in the stock market truly efficient. Beyond traditional factors—security, competitive fees, and ease of use—the market has evolved to demand:

• Integrated goal planning: Tools that connect long-term financial objectives with automatic resource allocation
• Adaptive learning: Micro-content (videos, quizzes, webinars) tailored to the user’s experience level
• Sustainable investments: ESG portfolios (Environmental, Social, Governance) for those prioritizing social impact
• AI-powered technology: Algorithms that identify market trends and optimize portfolios in real time
• Multilingual support and transparency: Clear fees, no surprises, and responsive customer service

The 7 Best Apps to Invest in the Stock Market in 2025

1. Rico: Innovation Focused on Beginners

Rico has solidified its position as a brokerage specializing in democratizing access to the market. Part of the XP Inc. ecosystem, the platform was developed specifically for investors taking their first steps into stocks, government bonds, and investment funds.

The app stands out for its high-quality educational content and accessible language. With a rating of 4.4 stars in major app stores, Rico offers educational products integrated into the platform, allowing beginners to learn while investing.

Advantages:

• Ideal for beginners
• Proven security
• Fully free app with zero brokerage fees (except B3 fees)
• Intuitive interface and quality educational content
• Smart robo-advisor and social investor ranking

Limitations:

• Concentration of power: integrated with the XP Inc. group, which some consider problematic for healthy competition

2. Toro Investments: Technology and Personalization

Operating since 2017 and now backed by Banco Santander, Toro has reinvented itself as a fintech prioritizing technological innovation and robust security. Its app for investing in the stock market differentiates itself through a personalized investor journey and a vast educational library.

With 4.4 stars in reviews, Toro offers a diversified investment portfolio and various brokerage models. Users can choose between zero fees or a percentage of profits, adapting to each investor’s profile.

Advantages:

• Suitable for developing (intermediate) investors
• Secure infrastructure with cutting-edge technology
• Free app with flexible brokerage models
• High-quality educational material
• Personalized investment journey

Limitations:

• Depending on the chosen model, brokerage fees can significantly impact gains

3. XP Investments: For Ambitious Investors

XP Investments has expanded its business model in recent years, evolving from a brokerage focused on high volumes to a platform that also welcomes small individual investors. With 4.6 stars in rankings, it offers simultaneous access to domestic and international markets (NASDAQ and NYSE).

The app includes a value simulator that allows users to test scenarios before making actual capital investments, a valuable tool for those looking to maximize gains.

Advantages:

• Targeted at intermediate investors with bigger ambitions
• Reliable security
• Free app with zero fees on some products; charges R$ 2.90 (day trade) and R$ 4.90 (swing trade) on stocks and BDRs
• User-friendly access with expert recommendations
• Simulator to compare investments before executing

Limitations:

• Greater benefits are concentrated among investors with higher capital

4. Nu Invest: Seamless Banking Integration

Nubank, a pioneer of the Brazilian digital banking era, expanded its portfolio by integrating Nu Invest, a stock brokerage that emerged from the acquisition of the former Easynvest. With over thousand products available (stocks, real estate funds, ETFs), the platform offers a smooth experience for those already using the digital bank.

With 4.6 stars, Nu Invest stands out as a solution for conservative and beginner investors, offering account opening in minutes.

Advantages:

• Perfect for beginner and conservative profiles
• Guaranteed security
• Free app, with zero fees on some products; stocks and BDRs: R$ 2.90 (day trade) and R$ 4.90 (swing trade)
• Fast account opening process integrated with Nubank ecosystem
• Functional simulator to test strategies

Limitations:

• Mainly recommended for investors with a more defensive profile in their suggested assets

5. Banco Inter - Inter Invest: Simplicity for Account Holders

Banco Inter, established in the Brazilian digital market, offers its own app for investing in the stock market through Inter Invest. The platform was developed as an investment alternative for digital bank clients, requiring an active Inter account as a prerequisite.

With an impressive 4.8 stars in reviews, it stands out for quality educational material and competitive fees, though access requires an Inter banking account.

Advantages:

• Suitable for beginner investors
• Secure infrastructure
• Free app with no brokerage fees (except B3 fees)
• Easy access for existing Inter customers
• Accessible educational content

Limitations:

• Restricted to Inter bank clients
• Recent rumors of operational difficulties at the institution have raised concerns

6. Avenue: Gateway to the Global Market

Avenue positions itself as a specialist in international investments, facilitating Brazilian investors’ access to opportunities abroad. Through its app for investing in the stock market, it offers a US checking account and dollar transactions—an essential feature for those seeking to grow wealth in foreign currency.

With 4.0 stars, the platform stands out for its robust anti-fraud system and easy integration for Itaú clients.

Advantages:

• Targeted at intermediate investors with global aspirations
• Security with sophisticated anti-fraud systems
• Free app with dollar brokerage
• Easy access for Itaú clients
• SPACs and dollar card included

Limitations:

• Additional costs in dollars for brokerage
• Higher initial capital requirements to fully benefit

7. Mitrade: Global Innovation with a Local Focus

Mitrade emerges as a leader in innovation, offering a secure and intuitive app backed by international security awards. With 4.6 stars, the platform integrates cutting-edge technology and various asset options: stocks, Bitcoin, FOREX, gold, crude oil, and other popular global commodities.

The key differentiator is the free demo account, allowing users to practice strategies before investing real capital—significantly increasing chances of success. Real-time charts and market insights guide users to the most profitable opportunities.

Advantages:

• Excellent for beginners to intermediates
• Internationally certified security
• Fully free app with zero brokerage
• No hidden fees; complete transparency
• Quick account opening process
• Demo account to practice risk-free
• Market forecasts and analysis included

Limitations:

• Less brand recognition in Brazil compared to local competitors

Comparison Matrix: Which to Choose Based on Your Profile?

Why Does Choosing the Right App Matter So Much?

The Brazilian investment market has not only grown: it has transformed. With dozens of platforms competing for attention, dedicating time to evaluate each app’s reputation, features, and advantages has become essential to maximize profits.

The security of the application, its technological capabilities, and the benefits offered by the brokerage determine not only initial success but also the sustainability of gains over time. In this growth context projected at 20% for 2025, with influxes of millennials and Gen Z, being equipped with the right tools is a competitive advantage.

Brokerages, in turn, have scaled investments in infrastructure, educational resources, and innovation. Those that combine international standards of quality, intuitive apps, and Portuguese support stand out—especially as international players emerge in the Brazilian market.

For existing investors, reviewing whether your app offers the mentioned features—especially goal integration, adaptive education, and predictive AI—may reveal opportunities for optimizing returns. For beginners, making the right choice reduces the learning curve and operational risk.

The time is ripe. With accessible technology, competitive costs, and affordable financial education, entering the world of investing via an app to invest in the stock market has never been more feasible. The key is selecting the platform that best aligns with your needs, risk profile, and financial ambitions.

Evaluate options, compare fees, test demo accounts when available, and start your investing journey with confidence and market knowledge.