CeraVe AM Facial Moisturising Lotion SPF30 Versus up&up Morning Facial Moisturizing Lotion Sunscreen SPF 30
What's inside
What's inside
Key Ingredients
Benefits
Concerns
Ingredients Side-by-side
Homosalate 10%
Skin ConditioningEthylhexyl Methoxycinnamate 5%
UV AbsorberOctocrylene 2%
UV AbsorberZinc Oxide 8%
Cosmetic ColorantWater
Skin ConditioningNiacinamide
SmoothingCetearyl Alcohol
EmollientGlycerin
HumectantPropanediol
SolventDimethicone
EmollientBehentrimonium Methosulfate
SurfactantBHT
AntioxidantCeramide NP
Skin ConditioningCeramide AP
Skin ConditioningCeramide EOP
Skin ConditioningCarbomer
Emulsion StabilisingTriethoxycaprylylsilane
Triethyl Citrate
MaskingSodium Lauroyl Lactylate
EmulsifyingSodium Hyaluronate
HumectantCholesterol
EmollientAluminum Starch Octenylsuccinate
AbsorbentPhenoxyethanol
PreservativeHydroxyethylcellulose
Emulsion StabilisingHydroxyacetophenone
AntioxidantCaprylyl Glycol
EmollientTrisodium Ethylenediamine Disuccinate
Phytosphingosine
Skin ConditioningXanthan Gum
EmulsifyingBenzoic Acid
MaskingHomosalate 10%, Ethylhexyl Methoxycinnamate 5%, Octocrylene 2%, Zinc Oxide 8%, Water, Niacinamide, Cetearyl Alcohol, Glycerin, Propanediol, Dimethicone, Behentrimonium Methosulfate, BHT, Ceramide NP, Ceramide AP, Ceramide EOP, Carbomer, Triethoxycaprylylsilane, Triethyl Citrate, Sodium Lauroyl Lactylate, Sodium Hyaluronate, Cholesterol, Aluminum Starch Octenylsuccinate, Phenoxyethanol, Hydroxyethylcellulose, Hydroxyacetophenone, Caprylyl Glycol, Trisodium Ethylenediamine Disuccinate, Phytosphingosine, Xanthan Gum, Benzoic Acid
Homosalate 15%
Skin ConditioningOctocrylene 2%
UV AbsorberZinc Oxide 6.3%
Cosmetic ColorantWater
Skin ConditioningNiacinamide
SmoothingGlycerin
HumectantCetearyl Alcohol
EmollientDimethicone
EmollientCetearyl Glucoside
EmulsifyingCeramide NP
Skin ConditioningCeramide AP
Skin ConditioningCeramide EOP
Skin ConditioningSodium Hyaluronate
HumectantAluminum Starch Octenylsuccinate
AbsorbentBoron Nitride
AbsorbentHydroxyethylcellulose
Emulsion StabilisingDisodium EDTA
Cetyl Palmitate
EmollientSorbitan Palmitate
EmulsifyingSorbitan Olivate
EmulsifyingPhenoxyethanol
PreservativeCapryloyl Glycine
CleansingUndecylenoyl Glycine
CleansingTriethoxycaprylylsilane
Sodium Lauroyl Lactylate
EmulsifyingPhytosphingosine
Skin ConditioningCholesterol
EmollientCarbomer
Emulsion StabilisingXanthan Gum
EmulsifyingHomosalate 15%, Octocrylene 2%, Zinc Oxide 6.3%, Water, Niacinamide, Glycerin, Cetearyl Alcohol, Dimethicone, Cetearyl Glucoside, Ceramide NP, Ceramide AP, Ceramide EOP, Sodium Hyaluronate, Aluminum Starch Octenylsuccinate, Boron Nitride, Hydroxyethylcellulose, Disodium EDTA, Cetyl Palmitate, Sorbitan Palmitate, Sorbitan Olivate, Phenoxyethanol, Capryloyl Glycine, Undecylenoyl Glycine, Triethoxycaprylylsilane, Sodium Lauroyl Lactylate, Phytosphingosine, Cholesterol, Carbomer, Xanthan Gum
Reviews
Ingredients Explained
These ingredients are found in both products.
Ingredients higher up in an ingredient list are typically present in a larger amount.
Aluminum Starch Octenylsuccinate is a synthetic powder used as an absorbent, thickener, and anti-caking agent.
As an absorbent, it is great at mattifying skin by soaking up the oil. This is why you'll find it in a range of products from makeup to moisturizers.
This ingredient is considered a modified starch. Starch can also be found naturally in plants.
One study from 1991 found that 5% of this ingredient enhanced titanium dioxide SPF by as much as 40%. The study found 1% titanium dioxide had a 5.6 SPF and adding 5% of aluminum starch octenylsuccinate boosted it to an SPF of 8.1
Although “aluminum” in an ingredient name can raise red flags for some consumers, the form and usage context matter significantly. For typical topical applications, there is no substantial evidence of health risks - such as cancer, neurotoxicity, or systemic “aluminum overload.”
Learn more about Aluminum Starch OctenylsuccinateCarbomer is a synthetic thickening and gelling agent. It's basically the ingredient that gives a lot of serums, gels, creams, and sunscreens their smooth, non-sticky texture.
Although legally permitted at very high levels, carbomers are normally used at concentrations below 1%.
It also needs to be neutralized to actually thicken, and because it is a large molecule, it doesn't really penetrate the skin barrier.
Allergy-wise, the risk is very low. Clinical studies show carbomers have low potential for skin irritation/sensitization even at concentrations up to 100%.
A 2024 UK study patch-tested 1,302 patients and found true allergy to the parent group of carbomer to be rare with no confirmed relevant reactions.
Learn more about CarbomerCeramide AP is is a skin-identical lipid that mimics what your skin already makes naturally. Ceramides help maintain epidermal integrity and barrier function.
You'll often see this ingredient paired with other ceramides (like ceramide NP), cholesterol, or fatty acids because this combination best mimics the natural lipid mix your skin already has.
The skin's ability to produce ceramides gets disrupted in skin conditions like eczema. This in turn weakens the skin barrier and applying ceramides topically has been shown to replenish what's been lost to restore barrier function.
Most of the studies with Ceramide AP test it as part of a multi-ceramide complex; studies reinforce ceramide AP's role in rebalancing ceramides in skin and improving skin hydration.
Learn more about Ceramide APCeramide EOP is formally known as Ceramide 1.
It is naturally found in skin and part of the intercellular "mortar" holding everything together in your outermost layer.
EOP stands for a linked Ester fatty acid, a linked Omega hydroxy fatty acid, and the Phytosphingosine base.
What makes Ceramide EOP special is its ultra-long fatty acid chain; this unique structure allows it to bridge the lipid layers in your skin barrier to prevent water loss (something no other ceramide can do).
Low levels of Ceramide EOP have been found in people with eczema and psoriasis.
Using it together with other ceramides, cholesterol, and linoleic acid have been shown to meaningfully improve hydration and reduce water loss.
In one clinical study, a regimen using Ceramide EOP, NP, and AP led to significant symptom improvements in patients with eczema, psoriasis, and dry skin in just 4 weeks.
You'll usually see concentrations between 0.1-0.5% in formulations. Overall, this is a well-tolerated and safe ingredient for cosmetic use.
Learn more about Ceramide EOPCeramide NP (formerly known as Ceramide 3) is one of the skin's naturally occurring lipids.
Since ceramides are the major lipid components of the skin, they are crucial for maintaining skin barrier and hydration. Ceramide NP most closely mirrors the dominant kind in human skin amongst ceramide subtypes.
This ceramide works by slotting into gaps within the stratum corneum's lipid matrix to limit trans-epidermal water loss (TEWL) and shield the skin against external irritants.
A study with 312 patients found that using a ceramide-containing routine for 4 weeks reduced the severity of atopic dermatitis by over 61%.
Another clinical study in subjects aged 60 and older found that a ceramide body wash and moisturizer improved skin dryness and itchy skin in 15 days.
Overall, ceramides are considered non-irritating and safety tests have found little to no observable adverse effects from using this ingredient.
Ceramide NP is usually sourced from plants (like soybean or rice bran), or produced synthetically.
Learn more about Ceramide NPCetearyl alcohol is a waxy mixture of two fatty alcohols: cetyl alcohol and stearyl alcohol. It is an emollient and emulsifier.
Despite having "alcohol" in its name, it has nothing to do with drying solvent alcohols; the FDA also allows "alcohol-free" products to contain fatty alcohols like this ingredient.
It plays several roles in a formula:
Typical use levels for this ingredient sit around 1-10% and the Cosmetic Ingredient Review Expert Panel has affirmed safety at concentrations up to 25% in leave-on products.
Multiple assessments have found it to be non-irritating and non-sensitizing to most people.
However, there have been some cases of allergic contact dermatitis in patients with chronically compromised skin barriers.
Cetearyl alcohol has a comedogenic rating of 2 and irritancy rating of 1. Both of these numbers come from the 1989 study that used rabbit ears; a "2" means mildly comedogenic and a "1" means low irritancy.
Here's the catch: rabbit skin is more sensitive than human skin and throws a lot of false positives. A 1996 reappraisal found that ingredients rated 1-2 in the rabbit ear tests are generally safe for humans.
Remember comedogenic ratings are unable to assess the entire formula of a product or how it will react on your skin. Just be sure to patch test if you are unsure about certain ingredients.
This ingredient is not fungal acne safe. Cetearyl alcohol is a fatty alcohol with chain lengths that fall within the range that Malassezia can metabolize.
A 2019 study has also observed Malassezia growth in the presence of this ingredient, confirming it to be not-fungal acne safe.
Learn more about Cetearyl AlcoholCholesterol is a lipid that is naturally found in human skin and is one of the three key components of your skin barrier. In skincare, it is an emollient and barrier-repairing ingredient.
It works by fitting directly into the lipid layers of skin to help restore structure and reduce transepidermal water loss (TEWL).
This is a great ingredient for dry, compromised, or aging skin; our skin starts to produce less cholesterol with age.
Research shows cholesterol works best in combination with ceramides and fatty acids, the other two major components in your skin barrier.
Cholesterol is also a well-establish penetration enhancer and can help other actives absorb more effectively.
Cosmetic-grade cholesterol is usually derived from lanolin but plant and synthetic options also exist. We recommend reaching out to the brand if you have questions about their source of cholesterol.
Learn more about CholesterolDimethicone is a type of synthetic silicone created from natural materials such as quartz. It is also known as polydimethylsiloxane.
What it does:
Dimethicone comes in different viscosities:
Depending on the viscosity, dimethicone has different properties.
Ingredients lists don't always show which type is used, so we recommend reaching out to the brand if you have questions about the viscosity.
This ingredient is unlikely to cause irritation because it does not get absorbed into skin. However, people with silicone allergies should be careful about using this ingredient.
Note: Dimethicone may contribute to pilling. This is because it is not oil or water soluble, so pilling may occur when layered with products. When mixed with heavy oils in a formula, the outcome is also quite greasy.
Learn more about DimethiconeGlycerin (or glycerol) is a compound naturally found in your skin. It's a powerhouse humectant that pulls water into the stratum corneum.
Topically, glycerin does several things at once:
Your skin makes glycerin on its own (mostly from sebaceous oil breakdown) and shuttles it to your outermost layer of skin, or your epidermis, via aquaporin-3.
Aquaporin-3 is a transporter that is essential for normal skin hydration, elasticity, and repair. Interestingly, mice lacking in AQP3 have dry and less elastic skin that can be fully corrected with glycerin.
This ingredient is non-irritating, plays well with almost every ingredient, and works across all skin types. Typical use is anywhere between 3-10% but can go up to 79% in some leave-on products.
Just know very high concentrations (>40%) can feel tacky in low humidity.
Glycerin is the name for this ingredient in American English. British English uses Glycerol/Glycerine.
Learn more about GlycerinHomosalate is an oil-soluble organic UVB filter that has been a sunscreen staple for decades. Its job is to absorb UVB rays (~295-315 nm) and protect your skin against sunburn,
This is one of the more photostable organic UV filters; it holds up pretty well under UV and a 2022 quantum-chemistry study found it stays stable in sunlight.
It's actually so reliable that formulators often pair it with shakier ingredients like oxybenzone and avobenzone. Formulators also use it to help dissolve the other UV filters into the oil phase.
One thing to keep in mind: "stable" isn't the same as "strong". On its own, homosalate is actually a pretty weak UV filter so it's better off as a helpful team player that helps boost overall SPF protection.
The safety picture is a bit nuanced but not scary.
This ingredient has a long track record of being gentle and regulators agree it isn't an irritant; EU's Scientific Committee on Consumer Safety found that homosalate is not considered a skin irritant and doesn't raise eye-irritation flags either.
There's talk about homosalate because your skin absorbs a little bit of it into your bloodstream. A 2020 FDA-backed study found homosalate showed up in people's blood levels at the level where the FDA decides to double check.
The EU's Scientific Committee on Consumer Safety (SCCS) also found small amounts in blood and breast milk. They estimated that about 5% of what you apply gets absorbed through the skin.
Due to the debate about whether it might mess with hormones, the SCCS recommended a maximum limit of 0.5% in most products of 7.3% in face creams/pump sprays.
One important thing to keep in mind: in the US, Homosalate is currently labeled "non-GRASE" by the FDA. This sounds alarming but really just means the FDA wants more data to confirm it's safe. It's not confidently saying this ingredient is harmful.
As of now, homosalate is still completely legal and widely used while that research gets done.
The current maximum limits are:
Learn more about HomosalateHydroxyethylcellulose is used to improve the texture of products. It is created from a chemical reaction involving ethylene oxide and alkali-cellulose. Cellulose is a sugar found in plant cell walls and help give plants structure.
This ingredient helps stabilize products by preventing ingredients from separating. It can also help thicken the texture of a product.
This ingredient can also be found in pill medicines to help our bodies digest other ingredients.
Learn more about HydroxyethylcelluloseNiacinamide is a multitasking form of vitamin B3 that strengthens the skin barrier, reduces pores and dark spots, regulates oil, and improves signs of aging.
And the best part? It's gentle and well-tolerated by most skin types, including sensitive and reactive skin.
You might have heard of "niacin flush", or the reddening of skin that causes itchiness. Niacinamide has not been found to cause this.
In very rare cases, some individuals may not be able to tolerate niacinamide at all or experience an allergic reaction to it.
If you are experiencing flaking, irritation, and dryness with this ingredient, be sure to double check all your products as this ingredient can be found in all categories of skincare.
When incorporating niacinamide into your routine, look out for concentration amounts. Typically, 5% niacinamide provides benefits such as fading dark spots. However, if you have sensitive skin, it is better to begin with a smaller concentration.
When you apply niacinamide to your skin, your body converts it into nicotinamide adenine dinucleotide (NAD). NAD is an essential coenzyme that is already found in your cells as "fuel" and powers countless biological processes.
In your skin, NAD helps repair cell damage, produce new healthy cells, support collagen production, strengthen the skin barrier, and fight environmental stressors (like UV and pollution).
Our natural NAD levels start to decline with age, leading to slower skin repair, visible aging, and a weaker skin barrier. By providing your skin niacinamide, you're recharging your skin's NAD levels. This leads to stronger, healthier, and younger looking skin.
Another name for vitamin B3 is nicotinamide. This vitamin is water-soluble and our bodies don't store it. We obtain Vitamin B3 from either food or skincare. Meat, fish, wheat, yeast, and leafy greens contain vitamin B3.
The type of niacinamide used in skincare is synthetically created.
Learn more about NiacinamideOctocrylene is an oil-soluble organic UV filter that mainly absorbs UVB and short wave UVA II light.
Its real superpower is teamwork: octocrylene is remarkably photostable and is most famous for stabilizing avobenzone (the workhorse UVA filter).
This ingredient is commonly used to enhance both UVB and UVA protection due to its unique property in stabilizing avobenzone. It also pulls double duty by boosting water resistance and giving formulas a smooth, spreadable feel.
The EU's Scientific Committee on Consumer Safety (SCCS) has deemed octocrylene to be safe as a UV-filter at concentrations up to 10% (capped at 9% in propellant sprays). The US also permits it up to 10%.
Two things worth knowing:
You'll usually see this ingredient used in concentrations between 2-10% (higher amounts when used as a stabilizer for avobenzone).
Learn more about OctocrylenePhenoxyethanol is one of the most widely used preservatives in skincare (and for good reason!).
It has a large spectrum of antimicrobial activity and especially effective bacteria, yeast, and mold while only having a weak effect on your skin's natural microbiome.
On a cellular level, it disrupts the cell membranes of microbes by poking holes that make the cell leak. This shuts down the chemical reactions the microbe needs to make energy so it can no longer survive.
Another perk of this ingredient is that it stays functional across a wide pH range (3-10).
You'll often see it paired with boosters like Ethylhexylglycerin; one study showed that a 1:9 ratio of Ethylhexylglycerin to Phenoxyethanol damages bacterial membranes as effectively as doubling the Phenoxyethanol concentration on its own.
Typical use concentrations range from 0.3-1% depending on the formula, and this ingredient is capped at 1% int the EU.
Safety-wise, the fear mongering does not hold up to the evidence. The EU's Scientific Committee on Consumer Safety and FDA consider it safe as a preservative at up to 1%, including for children of all ages.
Adverse systemic effects only showed up in animal studies at exposures roughly 200x higher than what people get from cosmetics. And despite its very widespread use, this ingredient is a rare sensitizer and allergic reactions are uncommon.
Learn more about PhenoxyethanolPhytosphingosine is a phospholipid naturally found in our skin as a building block for ceramides.. It helps moisturize, soothe, and protect skin.
Phytosphingosine contributes to your skin's natural moisturizing factor (NMF). The NMF is responsible for hydration, a strong barrier, and plasticity. Our NMF decreases with age. Increasing NMF leads to more healthy and hydrated skin.
Studies show products formulated with NMF ingredients help strengthen our skin's barrier. Having a healthy skin barrier reduces irritation and increases hydration. Our skin barrier is responsible for having plump and firm skin. It also helps protect our skin against infection, allergies, and inflammation.
Fun fact: Phytosphingosine is abundant in plants and fungi.
More ingredients that help boost collagen in skin:
Learn more about PhytosphingosineSodium Hyaluronate is the salt form of hyaluronic acid. It is a long sugar chain that is naturally found in your skin, joints, and connective tissue that maintains hydration and elasticity.
In skincare, it works as a humectant. It pulls water from the environment and deeper layers of skin and binds it to the surface.
Interestingly, the size of the molecule affects its behavior:
Some clinical evidence links low molecular weight versions to improved wrinkle depth, elasticity, anti-inflammatory effects, and barrier repair.
Many serums use a blend of both weights so you can get surface hydration plus longer-lasting and deeper effects.
You'll typically see concentrations between 0.1-2% for this ingredient.
Learn more about Sodium HyaluronateSodium Lauroyl Lactylate (SLL) is a mild, plant-derived surfactant made by combining lauric acid with lactic acid.
It has two main jobs in a formula:
A perk of this ingredient is that it leaves skin feeling soft and silky after rinsing. This is why you'll even see it in baby washes.
Another perk?
The lauric acid backbone gives it mild antimicrobial activity and lauric acid itself has been shown to suppress acne-causing bacteria in lab studies.
In 2023, scientists took a close look at how SLL behaves and found it can break apart the fatty outer layers of cells. This is basically why it cleans well and can fight off certain microbes.
The Cosmetic Ingredient Review (CIR) Expert Panel has reviewed it and concluded it's safe as used.
A 2017 survey showed concentrations up to 10% are used in rinse-off cleansers and roughly 0.5-5% being typical in skincare.
Animal and reconstructed-skin testing found it to be non-irritating at 10%, and it's well tolerated even on sensitive skin. The only caveat is to patch test if you have a lactic acid allergy.
As a lactylate salt used at low co-emulsifier concentrations, this ingredient is less likely to break down and release free lauric acid on skin. This ingredient is fungal acne safe.
Learn more about Sodium Lauroyl LactylateTriethoxycaprylylsilane is a silicon-based surface modifier that makes sunscreens feel silky and makeup stay put.
Its main job is to coat mineral particles like titanium dioxide, zinc oxide, and color pigments in a thin, oily layer so they spread smoothly, don't clump, and stick to skin better.
This ingredient is typically used at low levels (up to 2.5% in eyeshadow and 1% in lipstick).
Learn more about TriethoxycaprylylsilaneWater. It's the most common cosmetic ingredient of all. You'll usually see it at the top of ingredient lists, meaning that it makes up the largest part of the product.
So why is it so popular? Water most often acts as a solvent - this means that it helps dissolve other ingredients into the formulation.
You'll also recognize water as that liquid we all need to stay alive. If you see this, drink a glass of water. Remember to stay hydrated!
Learn more about WaterXanthan gum is used as a stabilizer and thickener within cosmetic products. It helps give products a sticky, thick feeling - preventing them from being too runny.
On the technical side of things, xanthan gum is a polysaccharide - a combination consisting of multiple sugar molecules bonded together.
Xanthan gum is a pretty common and great ingredient. It is a natural, non-toxic, non-irritating ingredient that is also commonly used in food products.
Learn more about Xanthan GumZinc Oxide (ZO) is a mineral broad-spectrum UV filter and the broadest-spectrum filter recognized by the FDA. It covers everything from UVB through to long-wave UVA.
On top of sun protection, it has skin protectant and skin-soothing properties too.
Here's a myth worth busting: mineral filters are usually described as working by "reflecting" or "bouncing" UV off your skin.
That's mostly not true: when researchers actually measured it, ZO and Titanium Dioxide reflect only about 4-5% of UV (less than SPF 2 worth of protection).
The vast majority of the work (~95%) is done by absorption, similar to chemical UV filters. ZO is a semiconductor that absorbs UV photos through its energy band gap.
So the old "physical blocker vs. chemical absorber" framing is really an oversimplification.
Zinc Oxide is one of the most effective broad-spectrum UV filters out there. It protects across UVB, UVA2, and UVA1 with a flat, even absorption curve across the whole UVA-UVB range.
That uniform UVA coverage is its standout feature; titanium dioxide skews more toward UVB as its particle size drops so ZO gives more consistent and extended UVA protection.
It's also very photostable. As an inorganic oxide, ZO doesn't break down in sunlight the way some organic filters can, so it holds up over a day of wear.
This ingredient is gentle and soothing, making it go-to for sunscreens aimed at sensitive skin, rosacea, or ecezma-prone skin, babies, and children.
It's also unlikely to cause the "eye sting" that some sunscreen ingredients are known for, and regulatory agencies broadly consider it non-toxic and safe for topical use.
Beyond sun protection, ZO is also a recognized OTC skin protectant. It forms a breathable barrier that shields skin from moisture and irritation while supporting healing. This is why you'll see it as a classic active in diaper rash creams.
The only downside to ZO is that it can leave a visible white cast, especially on deeper skin tones. This is the main reason mineral sunscreens have historically felt less cosmetically elegant than chemical or hybrid formulas.
Zinc Oxide comes in both non-nano and nano forms. The dividing line is 100nm and anything under is classified as a nanomaterial by the EU.
The nano version scatters less visible light which cuts down white case and gives a lighter, more wearable texture.
Another thing worth understanding about formulation:
Uncoated ZO has some inherent photocatalytic activity. This just means it can generate reactive oxygen species under UV. It's exactly why cosmetic-grade ZO is almost always surface-coated; this coating suppresses that reactivity and improves how the powder disperses and feels.
A well-formulated coated ZO largely sidesteps this issue.
Zinc Oxide is commonly used anywhere from 10% up to the regulatory maximum in sunscreens (25%).
Mineral-only broad-spectrum products often land in the 15-25% range to hit higher SPF and UVA values. Keep in mind SPF performance depends heavily on particle size, dispersion, and the rest of the formula, and not just the percentage.
As an OTC skin protectant like diaper creams, ZO typically runs higher at roughly 10-40%.
This ingredient is generally easy to work with and doesn't photodegrade.
The only thing to know is that uncoated ZO can be a bit reactive in a formula.
Under UV, it can break down sensitive ingredients like other actives or UV filters. This is another reason coated versions are standard. ZO can also react with very acidic ingredients or throw off stability of some creams. A good formula will get around this with the right coatings and dispersion.
The EU's Scientific Committee on Consumer Safety has concluded that ZO nanoparticles "can be considered to not pose any risk of adverse effects in humans after application on healthy, intact or sunburnt skin".
You might hear that ZO is "toxic"; this is because an in-vitro (test tube) study suggested micronized ZO had potential phototoxicity. In vivo (human) investigations have disputed this and the results have come back reassuring.
So does ZO penetrate skin? The short answer is no, not in any way that matters.
The most relevant evidence comes from real-world human studies: in one, volunteers applied ZO nanoparticle sunscreen hourly for six hours and daily for five days. The advanced imaging showed the particles stayed on the surface and never reached the living epidermis, and no cellular toxicity was found.
Other in-vivo and ex-vivo work agree; ZO nanoparticles don't cross the stratum corneum, even on flexed, massaged, or barrier-impaired skin.
A small amount of solubilized zinc ions can dissolve off the particles and enter the upper skin. But the quantities are tiny compared to the zinc already naturally present in your body, and studies haven't found this to cause local toxicity.
The sunscreen bans you've heard of (like Hawaii's) are aimed at two chemical filters, Oxybenzone and Octinoxate. ZO itself it not banned and is often recommended instead.
So far, there's no solid evidence that any form of ZO harms reefs. It is an ongoing and active area of study, and worth keeping an eye on.
If you're traveling somewhere with these rules, a non-nano mineral sunscreen is the safe bet.
Learn more about Zinc Oxide