What's inside
What's inside
Key Ingredients
Benefits
Concerns
Ingredients Side-by-side
Water
Skin ConditioningCyclopentasiloxane
EmollientZinc Oxide
Cosmetic ColorantTitanium Dioxide
Cosmetic ColorantHomosalate
Skin ConditioningDimethicone
EmollientEthylhexyl Salicylate
UV AbsorberMethyl Trimethicone
Skin ConditioningTrimethylsiloxysilicate
EmollientLauryl PEG-10 Tris(Trimethylsiloxy)Silylethyl Dimethicone
EmulsifyingNiacinamide
SmoothingDipropylene Glycol
HumectantCaprylyl Methicone
Skin ConditioningPrunus Serrulata Flower Extract
Skin ConditioningCitrus Aurantium Bergamia Fruit Oil
MaskingLavandula Angustifolia Oil
MaskingAnthemis Nobilis Flower Oil
MaskingMagnesium Sulfate
Vinyl Dimethicone/Methicone Silsesquioxane Crosspolymer
Polyglyceryl-4 Isostearate
EmulsifyingSynthetic Fluorphlogopite
Disteardimonium Hectorite
StabilisingAluminum Hydroxide
EmollientStearic Acid
CleansingTriethoxycaprylylsilane
Caprylyl Glycol
EmollientPolyglyceryl-6 Polyricinoleate
EmulsifyingGlyceryl Caprylate
EmollientAlumina
AbrasiveEthylhexylglycerin
Skin ConditioningAdenosine
Skin ConditioningTocopherol
AntioxidantButylene Glycol
Humectant1,2-Hexanediol
Skin ConditioningCI 77492
Cosmetic ColorantCI 77491
Cosmetic ColorantCI 77499
Cosmetic ColorantLimonene
PerfumingLinalool
PerfumingWater, Cyclopentasiloxane, Zinc Oxide, Titanium Dioxide, Homosalate, Dimethicone, Ethylhexyl Salicylate, Methyl Trimethicone, Trimethylsiloxysilicate, Lauryl PEG-10 Tris(Trimethylsiloxy)Silylethyl Dimethicone, Niacinamide, Dipropylene Glycol, Caprylyl Methicone, Prunus Serrulata Flower Extract, Citrus Aurantium Bergamia Fruit Oil, Lavandula Angustifolia Oil, Anthemis Nobilis Flower Oil, Magnesium Sulfate, Vinyl Dimethicone/Methicone Silsesquioxane Crosspolymer, Polyglyceryl-4 Isostearate, Synthetic Fluorphlogopite, Disteardimonium Hectorite, Aluminum Hydroxide, Stearic Acid, Triethoxycaprylylsilane, Caprylyl Glycol, Polyglyceryl-6 Polyricinoleate, Glyceryl Caprylate, Alumina, Ethylhexylglycerin, Adenosine, Tocopherol, Butylene Glycol, 1,2-Hexanediol, CI 77492, CI 77491, CI 77499, Limonene, Linalool
Water
Skin ConditioningZinc Oxide
Cosmetic ColorantC9-12 Alkane
SolventDisiloxane
Skin ConditioningCaprylyl Methicone
Skin ConditioningButyloctyl Salicylate
Skin ConditioningDiisopropyl Sebacate
EmollientTitanium Dioxide
Cosmetic ColorantGlycerin
HumectantButylene Glycol Dicaprylate/Dicaprate
EmollientDibutyl Adipate
EmollientDiethylhexyl 2,6-Naphthalate
EmollientMethyl Trimethicone
Skin ConditioningCaprylic/Capric Triglyceride
MaskingTrimethylsiloxysilicate
EmollientNiacinamide
SmoothingMethyl Methacrylate Crosspolymer
Silica
AbrasivePolymethylsilsesquioxane
Bis-Ethylhexyloxyphenol Methoxyphenyl Triazine
Skin ConditioningEthylhexyl Triazone
UV AbsorberTrehalose
HumectantDiethylamino Hydroxybenzoyl Hexyl Benzoate
UV FilterTriethoxycaprylylsilane
Lauryl Polyglyceryl-3 Polydimethylsiloxyethyl Dimethicone
Skin ConditioningIsononyl Isononanoate
EmollientStearalkonium Hectorite
Gel Forming1,2-Hexanediol
Skin ConditioningSodium Chloride
MaskingPolyglyceryl-3 Polydimethylsiloxyethyl Dimethicone
Skin ConditioningOctyldodecanol
EmollientPolyglyceryl-3 Diisostearate
EmulsifyingPolyglyceryl-3 Polyricinoleate
EmulsifyingIsododecane
EmollientCitrus Aurantium Bergamia Fruit Oil
MaskingGlyceryl Caprylate
EmollientCaprylyl Glycol
EmollientEthylhexylglycerin
Skin ConditioningPolyhydroxystearic Acid
EmulsifyingDimethiconol
EmollientAdenosine
Skin ConditioningEchium Plantagineum Seed Oil
Skin ConditioningHelianthus Annuus Seed Oil Unsaponifiables
EmollientCardiospermum Halicacabum Flower/Leaf/Vine Extract
Skin ConditioningTocopherol
AntioxidantMethylpropanediol
SolventButylene Glycol
HumectantHydrogenated Lecithin
EmulsifyingFraxinus Rhynchophylla Extract
Skin ConditioningOcimum Basilicum Flower/Leaf/Stem Extract
TonicSodium Hyaluronate
HumectantPrunus Serrulata Flower Extract
Skin ConditioningLimonene
PerfumingLinalool
PerfumingCitral
PerfumingWater, Zinc Oxide, C9-12 Alkane, Disiloxane, Caprylyl Methicone, Butyloctyl Salicylate, Diisopropyl Sebacate, Titanium Dioxide, Glycerin, Butylene Glycol Dicaprylate/Dicaprate, Dibutyl Adipate, Diethylhexyl 2,6-Naphthalate, Methyl Trimethicone, Caprylic/Capric Triglyceride, Trimethylsiloxysilicate, Niacinamide, Methyl Methacrylate Crosspolymer, Silica, Polymethylsilsesquioxane, Bis-Ethylhexyloxyphenol Methoxyphenyl Triazine, Ethylhexyl Triazone, Trehalose, Diethylamino Hydroxybenzoyl Hexyl Benzoate, Triethoxycaprylylsilane, Lauryl Polyglyceryl-3 Polydimethylsiloxyethyl Dimethicone, Isononyl Isononanoate, Stearalkonium Hectorite, 1,2-Hexanediol, Sodium Chloride, Polyglyceryl-3 Polydimethylsiloxyethyl Dimethicone, Octyldodecanol, Polyglyceryl-3 Diisostearate, Polyglyceryl-3 Polyricinoleate, Isododecane, Citrus Aurantium Bergamia Fruit Oil, Glyceryl Caprylate, Caprylyl Glycol, Ethylhexylglycerin, Polyhydroxystearic Acid, Dimethiconol, Adenosine, Echium Plantagineum Seed Oil, Helianthus Annuus Seed Oil Unsaponifiables, Cardiospermum Halicacabum Flower/Leaf/Vine Extract, Tocopherol, Methylpropanediol, Butylene Glycol, Hydrogenated Lecithin, Fraxinus Rhynchophylla Extract, Ocimum Basilicum Flower/Leaf/Stem Extract, Sodium Hyaluronate, Prunus Serrulata Flower Extract, Limonene, Linalool, Citral
Ingredients Explained
These ingredients are found in both products.
Ingredients higher up in an ingredient list are typically present in a larger amount.
1,2-Hexanediol is a synthetic liquid and another multi-functional powerhouse.Â
It is a:
- Humectant, drawing moisture into the skin
- Emollient, helping to soften skin
- Solvent, dispersing and stabilizing formulas
- Preservative booster, enhancing the antimicrobial activity of other preservativesÂ
Adenosine is a purine nucleoside that your body already makes in every cell. In skincare, it acts mainly as a skin conditioning and anti-aging agent.
The way it works is fairly well mapped out:
Your skin has cells called fibroblasts that build collagen (the stuff that keeps skin firm and smooth). Adenosine basically flips a switch on these cells that tells them to get to work making more collagen and other proteins. These cells slow down on their own as skin ages, so Adenosine helps give them a little nudge to keep going.
The clinical backing is pretty solid too.
A blind, randomized, placebo-controlled trial of 126 women aged 45-65 tested a 0.1% cream twice daily and found real improvements in crow's feet and frown lines using a precise 3D skin-mapping technique; these changes showed up by week 3 and held at 2 months.
A later study using Adenosine-loaded dissolving microneedle patches reported gains in wrinkle depth, dermal density, elasticity, and hydration.
On concentrations, South Korea's Ministry of Food and Drug Safety has set 0.04% as the approved functional anti-wrinkle level. You'll typically see this ingredient used somewhere in the 0.04-0.1% range since it works at low doses.
This ingredient has been found safe for cosmetics with the data showing no irritation or sensitization.
Overall, this is a great ingredient for any anti-aging routine and has no photosensitizing effect, so it suits both AM and PM use.
Learn more about AdenosineButylene Glycol (or BG) is used within cosmetic products for a few different reasons:
Overall, Butylene Glycol is a safe and well-rounded ingredient that works well with other ingredients.
Though this ingredient works well with most skin types, some people with sensitive skin may experience a reaction such as allergic rashes, closed comedones, or itchiness.
Learn more about Butylene GlycolCaprylyl Glycol is a humectant, skin conditioner, emollient, and preservative booster derived from either caprylic acid or synthetically created.
Typical use levels vary from 0.3-1% as a preservative booster and go up to 2% to condition skin.
Because it is not a free-fatty acid, this ingredient is fungal acne safe (there's nothing for Malassezia to feed on).
Learn more about Caprylyl GlycolCaprylyl Methicone is a synthetic and lightweight silicone fluid. It gives products a silky, dry-touch finish without the heaviness of pure oils.
Though the EU CosIng Database lists this ingredient as a skin conditioner, it is also used for sensory reasons. It spreads easily, cuts greasiness, and reduces tackiness.
This ingredient is volatile which means it will mostly evaporate (but it evaporates slower than older cyclomethicones, like Cyclotetrasiloxane).
Typical concentration ranges from 1-30% depending on if it's being used to tweak the feel of a product or acting as the main emollient.
Learn more about Caprylyl MethiconeCitrus Aurantium Bergamia Fruit Oil is the oil from the bergamot orange and is primarily used as a fragrance. It has a "fresh" and "bright orange" scent.
The main aroma compounds found in this ingredient are limonene (~27-52%), linalool (~2-22%), and linalyl acetate (~27-40%). These are known EU fragrance allergens.
The term 'fragrance' is not regulated in many countries. In many cases, it is up to the brand to define this term. For instance, many brands choose to label themselves as "fragrance-free" because they are not using synthetic fragrances. However, their products may still contain ingredients such as essential oils that are considered a fragrance.
When used topically, Citrus Aurantium Bergamia Fruit Oil is a photosensitizer due to the furanocoumarin content. Furanocoumarins absorb UV-A and cause phytophotodermatitis; this can look like redness, blistering, and lasting brown pigmentation on sun-exposed skin.
Due to this, this ingredient is capped at 0.4% in leave-on products applied to sun exposed skin.
Many modern formulas used a "furanocoumarin-free" version that sidesteps the phototoxicity issue, but still contains the fragrance allergens.
Learn more about Citrus Aurantium Bergamia Fruit OilEthylhexylglycerin is created from glycerin. It is a multitasker ingredient that:
The CIR Expert Panel found minimal skin absorption or sensitization of any kind in a safety assessment. Though this ingredient is considered well-tolerated, a small number of cases of allergic dermatitis have been published since 2002. Just be sure to patch test if you are unsure.
Industry-reported use ranges from 8% in rinse-off products and 2% in leave-on formulations.
Learn more about EthylhexylglycerinGlyceryl Caprylate comes from glycerin and caprylic acid. It is an emollient, co-emulsifier, and preservative booster.
Its short C8 fatty acid chain makes it behave differently from its longer-chain emollient cousins like Glyceryl Stearate. It feels more lightweight, fast-absorbing, and silky instead of rich and waxy.
As a co-emulsifier, its "head" and "tail" sit at the oil-water interface. But overall, the short C8 tail and not being water soluble means it doesn't really have the muscle to emulsify a formula on its own. That's why you'll often see it paired with a primary emulsifier like Cetearyl Glucoside.
Interestingly, Glyceryl Caprylate acts as a preservative booster. This is because its fatty-acid backbone disrupts microbial lipid membranes. It shows excellent activity against bacteria and yeast but is weaker against mold.
Typical concentrations range from 0.5-1% and this ingredient is generally non-irritating.
Because this ingredient has a C8 fatty acid chain, it is outside the range that the Malassezia yeast metabolizes (making it fungal acne safe).
Learn more about Glyceryl CaprylateLimonene is a fragrance that adds scent and taste to a formulation.
It's found in the peel oil of citrus fruits and other plants such as lavender and eucalyptus. The scent of limonene is generally described as "sweet citrus".
Limonene acts as an antioxidant, meaning it helps neutralize free radicals.
When exposed to air, oxidized limonene may sensitize the skin. Because of this, limonene is often avoided by people with sensitive skin.
The term 'fragrance' is not regulated in many countries. In many cases, it is up to the brand to define this term. For instance, many brands choose to label themselves as "fragrance-free" because they are not using synthetic fragrances. However, their products may still contain ingredients such as essential oils that are considered a fragrance.
Learn more about LimoneneLinalool is a fragrance and helps add scent to products. It's derived from common plants such as cinnamon, mint, citrus, and lavender.
Like Limonene, this ingredient oxidizes when exposed to air. Oxidized linalool can cause allergies and skin sensitivity.
This ingredient has a scent that is floral, spicy tropical, and citrus-like.
Learn more about LinaloolMethyl Trimethicone is a type of silicone. It is a solvent and emulsifier.
Solvents are used to keep ingredients together in a product. They can help dissolve ingredients to stable bases or help evenly distribute ingredients throughout the product.
Emulsifiers help stabilize a product. It does this by preventing certain ingredients from separating.
Methyl Trimethicone does not get absorbed into the skin.
Learn more about Methyl TrimethiconeNiacinamide 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 NiacinamideThis ingredient comes from the flowers of the cherry blossom tree native to Japan, Korea, China, and Vietnam.
Titanium Dioxide (TD) is a mineral UV filter widely used in sunscreens and cosmetics.
It's one of only two UV filters officially classified as "mineral" by regulatory agencies (the other being Zinc Oxide).
A really common myth is that mineral filters work by reflecting UV light off your skin like tiny mirrors.
They don't only do that; modern research shows TD protects mostly by absorbing UV radiation, the same way chemical filters do.
When researchers measured this, reflection accounted for only about 4-5% of the protection (and less than SPF 2 on its own). The other ~95% comes from absorption: the UV photons hit the particle and their energy gets soaked up by its semiconductor band gap rather than bouncing off.
So "reflects vs. absorbs" was never really the right way to split mineral from chemical filters.
TD gives broad-spectrum protection that's strongest in the UVB and UVA-2 range and weaker in the UVA-1 range. Its UVA protection isn't quite as strong as Zinc Oxide's which is why you'll often see the two paired together.
Together, they make a solid broad-spectrum system.
TD is a great pick for sensitive, acne-prone, or redness-prone skin because it's non-irritating and chemically inert. Regulatory reviews classify it as a non-sensitizer and mild-to-non-irritant.
It's also unlikely to cause the "eye sting" some chemical filters are known for.
The main trade-off is cosmetic; TD can leave a white cast and has a thicker texture. This is why mineral sunscreens are often less cosmetically elegant than chemical or hybrid formulas (and harder to shade-match on deeper skin tones).
Formulators often use micronized or nano-sized TD to cut down on white case and improve spreadability. Smaller particles scatter less visible light so the formula looks less chalky while still filtering UV.
TD is almost always bundled with coatings like Alumina, Silica, Stearic Acid, or Dimethicone. These coatings do two important jobs:
TD can be used at up to 25% in a finished sunscreen; this is the regulatory ceiling in both the US and the EU.
In practice, the amount in any given product varies a lot depending on the target SPF and whether it's paired with other UV filters.
TD is one of the most heavily vetted sunscreen ingredients out there. It is approved as a UV filter in all major markets worldwide, including the US, EU, UK, Japan, Korea, China, Australia, and Canada.
The safety evidence is solid. There was an old worry that nano particles might absorb through skin into the body but multiple studies (including on damaged, sunburned, and UV-irradiated skin) have shown that TD stays on the surface and the layer of dead skin cells on top of everything else.
There's also no evidence of carcinogenicity, mutagenicity, or reproductive toxicity from dermal exposure of this ingredient.
For those who have seen the headline about a 2022 EU ban on TD, that was on TD as a food additive (a complete separate use from topical sunscreen).
There are ongoing questions about how nano-TD might affect marine ecosystems. As of now, there has been no conclusive evidence that any form of TD (or any other sunscreen filter) harms coral reefs or marine life.
The science is still developing and it's a space worth watching rather than packing over.
However, several destinations have reef-safety sunscreen rules that restrict certain chemical filters and steer visitors toward mineral, non-nano options. If you're traveling somewhere with these rules, a non-nano mineral sunscreen is the safe bet.
Learn more about Titanium DioxideTocopherol is a fat-soluble antioxidant known as Vitamin E.
You'll find this ingredient in the vast majority of skincare (for good reason). It works to neutralize free radicals, or unstable molecules generated by UV exposure, pollution, and other environmental stressors, before they can cause oxidative damage to your skin cells.
Topically applied tocopherol has been shown to protect against UV damage by ramping up the skin's own natural defense enzymes.
It also acts as a skin conditioning agent; some studies show that regular topical use can improve the skin's water-binding capacity over 2-4 weeks.
This ingredient is especially loved for being a team player. When combined with Vitamin C, the photoprotective effect of both ingredients roughly doubles and the combo also helps reduce UV-induced DNA damage.
This ingredient has some brightening potential but it's more of a prevention ingredient than spot-fader. Cell studies show it can slow down melanin production but it's worth noting that it's not the most powerful brightener out there.
In formulations, it also serves as a stabilizer that helps protect other oxidation-prone ingredients from degrading.
Concentrations usually range from 0.1-1% in most leave-on products.
Learn more about TocopherolTriethoxycaprylylsilane 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 TriethoxycaprylylsilaneThis silicone is an emollient. Emollients create a thin film on the skin to prevent moisture from escaping.
It is not soluble in water and helps increase water-resistance in products.
According to a manufacturer, it can blend seamlessly with silicone oils, such as Cyclopentasiloxane.
Learn more about TrimethylsiloxysilicateWater. 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 WaterZinc 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