Looking to make your money work smarter in 2025? Navigating fixed-income investments through digital platforms has never been easier or more attractive. In this post, we’ll unveil the 5 best digital accounts for fixed-income investing—especially tailored for Brazilian investors—and provide critical insights into what makes each one stand out.
1. Banco Inter Investimentos
- Why it stands out: Integrated with Inter’s digital banking, the platform offers a modern, unified experience combining everyday banking and investments. It lets you invest in fixed-income products with minimal fees and convenient access. Acessei
- Key features:
- Fee-exempt investments
- Seamless app-to-account management
- Broad range of fixed-income products
2. Toro Investimentos
- Why it stands out: A zero-fee investment broker known for its simplicity and cost-efficiency. Offers CDBs, LCIs/LCAs, and bonds with educational tools and advisory support. AcesseiDirrix
- Best for: Cost-conscious beginners and diversified fixed-income investors.
3. Rico / XP Investimentos
- Why it stands out: Backed by XP Inc., Rico provides a modern interface, wide product range, and strong educational content with zero-rate options. XP adds personalized advice and access to more complex fixed-income products like Tesouro Direto. Glooux+1
- Best for: Investors seeking both convenience and expert-level guidance.
4. BTG Pactual Digital
- Why it stands out: The digital arm of Brazil’s leading investment bank offers a robust multilayered platform with auto-rebalancing, sophisticated instruments (CDB, LCI, LCA, LF), and premium-level tools. Wikipedia
- Best for: Advanced or affluent investors seeking institutional-grade digital fixed-income tools.
5. Tesouro Direto via Authorized Platforms
- Why it stands out: The go-to for direct access to Brazilian government bonds. Easily accessible through Blue-chip brokers like XP, Itaú, or Clear. Offers convenience, transparency, and direct ownership. Rusalowww.investortrip.com
- Best for: Safest fixed-income investment directly backed by the government.
Summary Table
| Rank | Platform | Key Advantage | Ideal For |
|---|---|---|---|
| 1 | Banco Inter | Smart banking–investment integration | Everyday users & digital natives |
| 2 | Toro Investimentos | Zero fees + educational tools | Budget-savvy beginners |
| 3 | Rico / XP Investimentos | Full services + guidance | Investors wanting both learning & depth |
| 4 | BTG Pactual Digital | Institutional tools + variety | Serious investors & wealthier profiles |
| 5 | Tesouro Direto Platforms | Direct government bond access | Safety-first, low-risk investors |
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