What's inside
What's inside
Key Ingredients
Benefits
Concerns
Ingredients Side-by-side
Water
Skin ConditioningCaprylic/Capric Triglyceride
MaskingZinc Oxide
Cosmetic ColorantOctyldodecyl Neopentanoate
EmollientTitanium Dioxide
Cosmetic ColorantButyrospermum Parkii Butter
Skin ConditioningHydroxyethyl Acrylate/Sodium Acryloyldimethyl Taurate Copolymer
Emulsion StabilisingSqualane
EmollientCetearyl Alcohol
EmollientPolyhydroxystearic Acid
EmulsifyingPhenoxyethanol
PreservativeAluminum Stearate
Cosmetic ColorantSodium Hyaluronate
HumectantCitric Acid
BufferingPolysorbate 60
EmulsifyingAlumina
AbrasiveCarbomer
Emulsion StabilisingSodium Hydroxymethylglycinate
PreservativeSodium Stearoyl Glutamate
Cleansing1,2-Hexanediol
Skin ConditioningDisodium EDTA
Isostearic Acid
CleansingEthylhexylglycerin
Skin ConditioningSorbitan Isostearate
EmulsifyingBiosaccharide Gum-4
Skin ConditioningWater, Caprylic/Capric Triglyceride, Zinc Oxide, Octyldodecyl Neopentanoate, Titanium Dioxide, Butyrospermum Parkii Butter, Hydroxyethyl Acrylate/Sodium Acryloyldimethyl Taurate Copolymer, Squalane, Cetearyl Alcohol, Polyhydroxystearic Acid, Phenoxyethanol, Aluminum Stearate, Sodium Hyaluronate, Citric Acid, Polysorbate 60, Alumina, Carbomer, Sodium Hydroxymethylglycinate, Sodium Stearoyl Glutamate, 1,2-Hexanediol, Disodium EDTA, Isostearic Acid, Ethylhexylglycerin, Sorbitan Isostearate, Biosaccharide Gum-4
Water
Skin ConditioningCaprylic/Capric Triglyceride
MaskingZinc Oxide
Cosmetic ColorantOctyldodecyl Neopentanoate
EmollientTitanium Dioxide
Cosmetic ColorantOctyldodecyl Oleate
EmollientButyrospermum Parkii Butter
Skin ConditioningHydroxyethyl Acrylate/Sodium Acryloyldimethyl Taurate Copolymer
Emulsion StabilisingSqualane
EmollientPolyhydroxystearic Acid
EmulsifyingCetearyl Alcohol
EmollientPhenoxyethanol
PreservativeSodium Hyaluronate
HumectantPolysorbate 60
EmulsifyingAlumina
AbrasiveAluminum Stearate
Cosmetic ColorantCarbomer
Emulsion StabilisingSodium Hydroxymethylglycinate
PreservativeSodium Stearoyl Glutamate
Cleansing1,2-Hexanediol
Skin ConditioningDisodium EDTA
Isostearic Acid
CleansingEthylhexylglycerin
Skin ConditioningSorbitan Isostearate
EmulsifyingBiosaccharide Gum-4
Skin ConditioningCitric Acid
BufferingCI 77891
Cosmetic ColorantCI 77492
Cosmetic ColorantCI 77491
Cosmetic ColorantCI 77499
Cosmetic ColorantWater, Caprylic/Capric Triglyceride, Zinc Oxide, Octyldodecyl Neopentanoate, Titanium Dioxide, Octyldodecyl Oleate, Butyrospermum Parkii Butter, Hydroxyethyl Acrylate/Sodium Acryloyldimethyl Taurate Copolymer, Squalane, Polyhydroxystearic Acid, Cetearyl Alcohol, Phenoxyethanol, Sodium Hyaluronate, Polysorbate 60, Alumina, Aluminum Stearate, Carbomer, Sodium Hydroxymethylglycinate, Sodium Stearoyl Glutamate, 1,2-Hexanediol, Disodium EDTA, Isostearic Acid, Ethylhexylglycerin, Sorbitan Isostearate, Biosaccharide Gum-4, Citric Acid, CI 77891, CI 77492, CI 77491, CI 77499
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.
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 preservatives
Alumina is another name for the compound aluminum oxide. It is a white powder used as a thickener, absorbent, and abrasive.
As an absorbent, alumina can give a mattifying effect. It is used in mineral sunscreens to help coat nano-sized filters, such as titanium dioxide. By increasing the size of the UV filters, these ingredients stay on the skin for a longer time. By coating small sized ingredients, alumina helps thicken a product.
Alumina may be used as an abrasive, or exfoliant.
Alumina is naturally occurring in the mineral corundum. Certain varieties of corundum create rubies and sapphires. Corundum is also the crystalline form of alumina.
Learn more about AluminaAluminum Stearate is the aluminum salt of the fatty acid, stearic acid. It is used to stabilize formulas, add thickness, and as a colorant.
Like other large lipophilic molecules, this ingredient has low dermal absorption.
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 StearateThis is a fermented gum derived from sorbitol, a sugar alcohol.
According to a manufacturer, this ingredient's high molecular weight makes it an effective emollient.
Emollients help keep the skin hydrated by preventing water from evaporating.
Learn more about Biosaccharide Gum-4This ingredient is also known as shea butter. It is a plant-derived extract from the nuts of the Africa shea tree and one of the most well-studied emollients.
Because it has a high concentration of fatty acids (primarily oleic, stearic, and linoleic) it is able to form a protective barrier on the skin's surface. This helps seal in moisture and prevents transepidermal water loss (TEWL).
In vitro research found an increase in skin hydration by 58% and a decrease in TEWL by 37.8% after 24 hours of applying this ingredient (pretty impressive for a single ingredient!).
Besides hydration, shea butter also contains triterpenes that have anti-inflammatory potential. In particule, lupeol cinnamate has shown the highest anti-inflammatory activity in vivo.
Shea butter also contains vitamins A and E which may contribute to antioxidant activity.
While Shea Butter has an SPF rating of about 3-4, it is not a sunscreen replacement.
This ingredient may not be fungal acne safe because its fatty acids fall within the C11-C24 range that the Malassezia yeast can metabolize.
Learn more about Butyrospermum Parkii ButterCaprylic/Capric Triglyceride (aka MCT Oil) is a lightweight emollient, solvent, and texture enhancer. It is considered a skin-softener by helping to prevent moisture loss.
Though it behaves like an oil, it is not technically one due to its chemical composition. One perk of this ingredient is that it is very stable, resistant to oxidation, and unlikely to go rancid.
In practice, that translates to a long shelf life and a consistently elegant skin feel.
While there is an assumption Caprylic Triglyceride can clog pores due to it being derived from coconut oil, there is no research supporting this. Just patch test if you have concerns.
Fractionated coconut oil and MCT Oil are both listed as Caprylic/Capric Triglyceride according to INCI. This is because INCI names are based on the ingredient’s final chemical composition and not its marketing name or source.
This ingredient is treated as the gold standard fungal acne safe oil. Even though it is coconut derived, the problematic lauric acid is stripped out.
This leaves just caprylic (C8) and capric (C10) acid. These chain lengths actually trend antifungal; a 2020 study found caprylic acid was enough to disrupt Malassezia furfur cell membrane, with a caprylic acid derivative damaging membrane structures at concentrations as low as 0.2%.
Learn more about Caprylic/Capric TriglycerideCarbomer is a high-molecular weight polymer of acrylic acid. It is used to form gels and thicken formulas.
Due to its large molecular size, carbomer has minimal skin penetration and is considered an inert ingredient.
A high amount of carbomer can cause pilling or balling up of products. Don't worry, most products contain 1% or less of carbomer.
Learn more about CarbomerCetearyl 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 AlcoholCitric Acid is an alpha hydroxy acid (AHA) naturally found in citrus fruits like oranges, lemons, and limes.
Like other AHAs, citric acid can exfoliate skin by breaking down the bonds that hold dead skin cells together. This helps reveal smoother and brighter skin underneath.
However, this exfoliating effect only happens at high concentrations (20%) which can be hard to find in cosmetic products.
Due to this, citric acid is usually included in small amounts as a pH adjuster. This helps keep products slightly more acidic and compatible with skin's natural pH.
In skincare formulas, citric acid can:
While it can provide some skin benefits, research shows lactic acid and glycolic acid are generally more effective and less irritating exfoliants.
Most citric acid used in skincare today is made by fermenting sugars (usually from molasses). This synthetic version is identical to the natural citrus form but easier to stabilize and use in formulations.
Read more about some other popular AHA's here:
Learn more about Citric AcidDisodium EDTA is a chelating agent. It grabs onto and deactivates metal ions that sneak into your products from water, packaging, or air.
This ingredient mainly works behind the scenes and helps with:
On top of that, this ingredient can counteract the effects of hard water by binding to the minerals in it.
One thing worth knowing is that Disodium EDTA has been shown to be a mild penetration enhancer. It can help other ingredients absorb into skin more effectively which can be a double-edged sword (great for actives, but can also make the active too strong if you have sensitive skin).
Clinical patch testing showed no significant skin irritation at typical use concentrations and minimal dermal absorption.
You'll most likely see this ingredient near the end of an ingredient list. It's typically found in concentrations less than 1%.
Learn more about Disodium EDTAEthylhexylglycerin 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 EthylhexylglycerinThis is a synthetic polymer. It helps improve the texture of products by adding thickness and gel-like feel.
It is also an emulsifer, meaning it prevents ingredients such as oil and water from separating. It also helps evenly disperse other ingredients.
Isostearic Acid is a fatty acid and a structural cousin of stearic acid. It is an emulsifier.
The branched structure of this ingredient enhances fluidity and gives it a lighter, less greasy feel compared to other fatty acids. It helps improve texture and consistency because it prevents oil and water phases from separating.
This ingredient is sourced from plant-based oils like soybean or rapeseed.
Clinical studies found no signs of irritation from this ingredient.
Since Isostearic Acid is an 18-carbon fatty acid, it is in the range that Malassezia can feed on. This ingredient may not be fungal acne safe.
You might have seen sources that this ingredient is comedogenic. The original comedogenic testing on rabbit ear actually tested the ester, Isopropyl Isostearate and not Isostearic acid itself. There has been no comedogenic testing done on this ingredient, but it may be worth patch testing if you have acne-prone skin.
Learn more about Isostearic AcidWe don't have a description for Octyldodecyl Neopentanoate yet.
Phenoxyethanol is a preservative that has germicide, antimicrobial, and aromatic properties. Studies show that phenoxyethanol can prevent microbial growth. By itself, it has a scent that is similar to that of a rose.
It's often used in formulations along with Caprylyl Glycol to preserve the shelf life of products.
Polyhydroxystearic Acid is a vegetable-derived soft wax made from castor oil. It's an emulsion stabilizer, thickener, and film former.
You'll likely see it in sunscreens because it helps disperse pigments and UV-reflecting minerals like titanium dioxide and zinc oxide evenly.
Depending on the concentration, it can drastically change the texture of a product from pasty solid (like lipstick) to sprayable liquid.
The CIR Expert Panel for Cosmetic Ingredient Safety has concluded this ingredient to be safe in cosmetics. The highest reported use concentration is 14.2% in lipsticks.
Learn more about Polyhydroxystearic AcidPolysorbate 60 is used to help stabilize products. It is a surfactant and emulsifier. These properties help keep ingredients together in a product. Surfactants help reduce surface tension between ingredients with different states, such as liquids and solids. Emulsifiers help prevent oils and waters from separating.
Polysorbate 60 is sorbitol-based and created from the ethoxylation of sorbitan. Ethoxylation is a chemical reaction used to add ethylene oxide. Sorbitan is a the dehydrated version of sorbitol, a sugar found in fruits.
In this case, the 60 comes from reacting 60 units of ethylene oxide with sorbitan.
Polysorbates are commonly used in medicine and foods.
Learn more about Polysorbate 60Sodium 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 Hydroxymethylglycinate is a preservative.
Sodium Stearoyl Glutamate is an amino-acid based emulsifier. It is made by combining stearic acid with L-glutamic acid and neutralizing it to a sodium salt.
As an emulsifier, it works mainly as an oil-in-water one and helps keep the oil and water in your formulas blended. It also contributes to a smooth, non-greasy skin feel.
This ingredient is biodegradable and commonly available in natural/COSMOS-certified grades.
Learn more about Sodium Stearoyl GlutamateSorbitan Isostearate is an emulsifer. It is created from isostearic acid and sorbitol.
As an emulsifier, it keeps the water and oil ingredients from separating. This keeps formulas stable and smooth.
In a 24 hour occlusive patch test on 56 subjects, 10% sorbitan isostearate was completely non-irritating. Most formulas use less than 10%.
Because it's a fatty acid ester, it may not be fungal acne safe since the Malassezia yeast can utilize it as a nutrient source.
Learn more about Sorbitan IsostearateSqualane is the hydrogenated and shelf-stable form of squalene (a lipid that naturally occurs in human sebum).
It is an emollient and skin conditioning agent that is able to integrate seamlessly into the skin's lipid barrier without clogging pores.
This is due to how structurally similar it is to what your skin already produces.
Though it is mostly an emollient that helps soften and hydrate skin, it also has some humectant and occlusive action. Humectants help the skin retain moisture while occlusives seal it in, making squalane a triple-threat moisturizer.
Research shows it has antioxidant capabilities that help protect against stressors like UV exposure, specifically UVA induced oxidative stress. This study also found that it supports collagen biosynthesis in human dermal fibroblasts.
No clinical study has reported significant adverse effects and irritation reactions are very rare from this ingredient (even at 100% concentration).
Overall, it's a fantastic ingredient for hydration and is suitable for all skin types.
This depends on the source. Squalane can be derived from both plants and animals. Most squalane used in skincare comes from plants.
Please note: the source of squalane is only known if disclosed by the brand. We recommend reaching out to the brand if you have any questions about their squalane.
Read more about squalene with an "e".
Though squalane is often called an oil, it’s technically not one. It is a hydrocarbon, meaning it is only made of carbon and hydrogen. True oils are triglycerides and made of fatty acids and glycerol.
The term “oil-free” isn’t regulated so companies can define it however they want. Some exclude all oils, while others just avoid mineral oil or comedogenic oils.
Squalane has a comedogenic rating of 1 from the original 1972 study that tested raw ingredients under occlusion on rabbit ears. This system is not standardized or peer-reviewed, and using the raw ingredients is very different from how diluted cosmetic formulations are used on human skin.
A comedogenic rating of 1 means it is "unlikely to clog pores" according to the original rating system.
The overall formula of a product matters more than the individual ingredients on whether or not it will cause clogged pores.
Learn more about SqualaneTitanium 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 DioxideWater. 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