Application investment boom is coming: Who will be the strongest in Brazil's stock market application market in 2025

The Brazilian investment market in 2025 is experiencing explosive growth. According to B3 data, over 5 million new investors in 2024, with an expected increase of 20% this year, among which Millennials and Generation Z are the main force. What are these young investors pursuing? To put it simply—clean interfaces, transparent fees, and one-click access to global assets.

Today’s stock market apps are not just trading tools but also intelligent advisors for investors. AI predictions, real-time charts, educational content, USD accounts… these features have become “standard.” But with dozens of apps available, how to choose? We conducted an in-depth comparison of the mainstream platforms in the market.

How to Choose Investment Apps: Three Key Dimensions

Choosing an app is like selecting an exchange—start with these three points:

Security and Regulation: International security certifications, fund segregation, anti-fraud systems are essential.

Fee Structure: Commissions, trading fees, hidden charges… all should be clear. Zero-fee products may still incur charges on B3 fees.

User Experience: For beginner investors, ease of use is paramount. Some platforms offer demo accounts for practice—this detail is very important.

Additionally, new features like ESG investing, goal planning tools, micro-learning content (short videos + quizzes) are becoming standard criteria for young investors.

Overview of 7 Popular Apps

1. Some International Platform

• Features: Global assets + AI analysis
• Fees: Zero commissions
• Rating: 4.6⭐
• Suitable for: Global asset allocators
• Highlights: Demo accounts available for practice, beginners can try before investing real money

2. Rico

• Features: Social + Education for youth
• Fees: Zero commissions (excluding B3 fees)
• Rating: 4.4⭐
• Suitable for: Investment beginners
• Highlights: Social leaderboards, beginner-friendly tutorials

3. Toro

• Features: Diverse fee models + rich educational content
• Fees: Flexible combinations (zero commissions or profit sharing)
• Rating: 4.4⭐
• Suitable for: Beginner to intermediate investors
• Highlights: Backed by Santander Bank, stable technology

4. XP Investimentos

• Features: Preferred by high-net-worth individuals + simulator tools
• Fees: R$ 4.90 per trade (spot market)
• Rating: 4.6⭐
• Suitable for: Intermediate to advanced investors
• Highlights: Direct connection to NASDAQ/NYSE, extensive international assets

5. Nubank - Nu Invest

• Features: Integrated ecosystem + security mode
• Fees: Zero commissions (excluding day trading)
• Rating: 4.6⭐
• Suitable for: Conservative investors
• Highlights: Over 1000 products, Pix integration, quick account opening

6. Banco Inter - Inter Invest

• Features: Zero fees + educational resources
• Fees: Zero commissions (excluding B3 fees)
• Rating: 4.8⭐
• Suitable for: Beginners
• Highlights: Highest rating, excellent educational quality, requires existing Inter account

7. Avenue

• Features: International accounts + USD trading
• Fees: USD transaction fee around US$5
• Rating: 4.0⭐
• Suitable for: Investors seeking overseas assets
• Highlights: USD accounts, SPAC investments, USD card spending

Quick Benchmark: Decision Table for Choosing Apps

New Trends in Investment Apps for 2025

AI-Driven Decision Making: Moving from passive monitoring to active prediction, machine learning is optimizing portfolio recommendations.

Multi-Currency Ecosystem: No longer just trading A-shares. BRL, USD, and even cryptocurrencies are now tradable within the same app.

Educational Content Upgrades: From PDFs to short videos + interactive gamified learning, the learning threshold for young investors has greatly lowered.

Sustainable Investing with ESG: More platforms are launching ESG screening tools, aligning with global investment trends.

Why Choosing the Right App Now Is Critical

Brazil’s investment market is accelerating. The fact that over 5 million new investors joined in 2024 shows that the entry barrier for ordinary people has truly lowered. But a low barrier doesn’t mean you can choose carelessly—poor app choices can lead to losses in these areas:

• Fee Black Holes: Looks like zero fees, but day trading/swing trading may incur additional costs, accumulating over time.
• Lagging Experience: Market moves rapidly; even a 0.5-second delay in app response can affect execution prices.
• Security Risks: Platforms without international certifications or anti-fraud measures pose high fund risks.
• Lack of Education: Novice investors operating blindly are better off choosing apps with rich educational resources first.

Final Recommendations

For 2025, choosing an investment app should follow this logic:

Complete Beginners: Prioritize apps with rich educational resources and simple interfaces (Rico, Inter Invest, Nu Invest are good options). Use demo accounts to familiarize yourself with the market first.

Investors with Some Foundation: Focus on fee structures and international assets; XP Investimentos and some international platforms are more suitable.

Seeking Global Allocation: If USD accounts are needed, Avenue is a professional choice.

Finally, remember: after choosing an app, spend time reading product descriptions, understanding fee details, and learning basic knowledge—these “boring” tasks often determine how much you can earn.

There are no shortcuts in investing, but a handy app can help you go more steadily. It’s time to act.