Murad City Skin Age Defense Broad Spectrum SPF 50 PA++++ Versus Murad Correct & Protect Serum Broad Spectrum SPF 45 PA++++
This mineral sunscreen covers the full UV range and blocks ~98% of UVB at SPF 50.
This mineral sunscreen covers the full UV range and blocks ~98% of UVB at SPF 45.
What's inside
What's inside
Key Ingredients
Benefits
Concerns
Ingredients Side-by-side
Titanium Dioxide 2.7%
Cosmetic ColorantZinc Oxide 10%
Cosmetic ColorantWater
Skin ConditioningDimethicone
EmollientC12-15 Alkyl Benzoate
AntimicrobialGlycerin
HumectantTriheptanoin
Skin ConditioningCaprylic/Capric Triglyceride
MaskingC13-16 Isoparaffin
SolventArgania Spinosa Kernel Oil
EmollientTocopheryl Acetate
AntioxidantPolyurethane-35
Polyhydroxystearic Acid
EmulsifyingPolymethylsilsesquioxane
Dimethicone/Vinyl Dimethicone Crosspolymer
Skin ConditioningAvena Sativa Kernel Extract
AbrasiveBisabolol
AntioxidantHydrolyzed Jojoba Esters
Skin ConditioningUrea
BufferingYeast Amino Acids
HumectantTrehalose
HumectantInositol
HumectantTaurine
BufferingBetaine
HumectantTocopherol
AntioxidantBiosaccharide Gum-4
Skin ConditioningHydroxyphenyl Propamidobenzoic Acid
Skin ConditioningSilica
AbrasiveCalendula Officinalis Flower Extract
MaskingPentylene Glycol
Skin ConditioningButylene Glycol
HumectantDimethicone/PEG-10/15 Crosspolymer
Lauryl PEG-9 Polydimethylsiloxyethyl Dimethicone
Skin ConditioningPEG/PPG-18/18 Dimethicone
EmulsifyingTriethoxycaprylylsilane
Aluminum Stearate
Cosmetic ColorantAlumina
AbrasiveEthylhexylglycerin
Skin ConditioningLeuconostoc/Radish Root Ferment Filtrate
AntimicrobialAscorbyl Palmitate
AntioxidantMethylpropanediol
SolventDipropylene Glycol
HumectantCaprylyl Glycol
EmollientPhenylpropanol
MaskingPhenoxyethanol
PreservativeChlorphenesin
AntimicrobialPotassium Sorbate
PreservativeSodium Benzoate
MaskingCI 77491
Cosmetic ColorantCI 77492
Cosmetic ColorantTitanium Dioxide 2.7%, Zinc Oxide 10%, Water, Dimethicone, C12-15 Alkyl Benzoate, Glycerin, Triheptanoin, Caprylic/Capric Triglyceride, C13-16 Isoparaffin, Argania Spinosa Kernel Oil, Tocopheryl Acetate, Polyurethane-35, Polyhydroxystearic Acid, Polymethylsilsesquioxane, Dimethicone/Vinyl Dimethicone Crosspolymer, Avena Sativa Kernel Extract, Bisabolol, Hydrolyzed Jojoba Esters, Urea, Yeast Amino Acids, Trehalose, Inositol, Taurine, Betaine, Tocopherol, Biosaccharide Gum-4, Hydroxyphenyl Propamidobenzoic Acid, Silica, Calendula Officinalis Flower Extract, Pentylene Glycol, Butylene Glycol, Dimethicone/PEG-10/15 Crosspolymer, Lauryl PEG-9 Polydimethylsiloxyethyl Dimethicone, PEG/PPG-18/18 Dimethicone, Triethoxycaprylylsilane, Aluminum Stearate, Alumina, Ethylhexylglycerin, Leuconostoc/Radish Root Ferment Filtrate, Ascorbyl Palmitate, Methylpropanediol, Dipropylene Glycol, Caprylyl Glycol, Phenylpropanol, Phenoxyethanol, Chlorphenesin, Potassium Sorbate, Sodium Benzoate, CI 77491, CI 77492
Zinc Oxide 17%
Cosmetic ColorantIsododecane
EmollientWater
Skin ConditioningDimethicone
EmollientPropanediol
SolventCaprylic/Capric Triglyceride
MaskingPolyglyceryl-6 Polyricinoleate
EmulsifyingPolymethylsilsesquioxane/Trimethylsiloxysilicate
C12-15 Alkyl Benzoate
AntimicrobialCoco-Caprylate/Caprate
EmollientEthylhexyl Palmitate
EmollientPolymethylsilsesquioxane
Glycerin
HumectantTapioca Starch
Polyglyceryl-10 Dioleate
EmulsifyingPolyhydroxystearic Acid
EmulsifyingFructooligosaccharides
HumectantSimmondsia Chinensis Seed Oil
EmollientLecithin
EmollientButyrospermum Parkii Butter
Skin ConditioningBeta Vulgaris Root Extract
Skin ConditioningHedychium Coronarium Root Extract
MaskingSolanum Lycopersicum Fruit Extract
AntioxidantNiacinamide
SmoothingSqualane
EmollientUrea
BufferingYeast Amino Acids
HumectantTrehalose
HumectantTaurine
BufferingInositol
HumectantBetaine
HumectantTocopheryl Acetate
AntioxidantAscorbic Acid
AntioxidantRetinyl Palmitate
Skin ConditioningPotassium Lactate
BufferingEthylhexylglycerin
Skin ConditioningLactic Acid
BufferingLeuconostoc/Radish Root Ferment Filtrate
AntimicrobialPolysilicone-11
Disteardimonium Hectorite
StabilisingCaprylyl/Capryl Glucoside
CleansingDecyl Glucoside
CleansingPropylene Carbonate
SolventCaprylyl Glycol
EmollientHexylene Glycol
EmulsifyingTriethoxycaprylylsilane
Chlorphenesin
AntimicrobialPhenoxyethanol
PreservativeCI 77492
Cosmetic ColorantZinc Oxide 17%, Isododecane, Water, Dimethicone, Propanediol, Caprylic/Capric Triglyceride, Polyglyceryl-6 Polyricinoleate, Polymethylsilsesquioxane/Trimethylsiloxysilicate, C12-15 Alkyl Benzoate, Coco-Caprylate/Caprate, Ethylhexyl Palmitate, Polymethylsilsesquioxane, Glycerin, Tapioca Starch, Polyglyceryl-10 Dioleate, Polyhydroxystearic Acid, Fructooligosaccharides, Simmondsia Chinensis Seed Oil, Lecithin, Butyrospermum Parkii Butter, Beta Vulgaris Root Extract, Hedychium Coronarium Root Extract, Solanum Lycopersicum Fruit Extract, Niacinamide, Squalane, Urea, Yeast Amino Acids, Trehalose, Taurine, Inositol, Betaine, Tocopheryl Acetate, Ascorbic Acid, Retinyl Palmitate, Potassium Lactate, Ethylhexylglycerin, Lactic Acid, Leuconostoc/Radish Root Ferment Filtrate, Polysilicone-11, Disteardimonium Hectorite, Caprylyl/Capryl Glucoside, Decyl Glucoside, Propylene Carbonate, Caprylyl Glycol, Hexylene Glycol, Triethoxycaprylylsilane, Chlorphenesin, Phenoxyethanol, CI 77492
Reviews
Ingredients Explained
These ingredients are found in both products.
Ingredients higher up in an ingredient list are typically present in a larger amount.
Betaine is a humectant. Like hyaluronic acid, it helps attract and retain moisture in the skin. It’s known for being gentle and for helping the skin maintain balanced hydration.
Betaine is mainly used to improve hydration and support calmer skin. It helps skin cells regulate water balance because it functions as an osmolyte.
Some studies suggest betaine may support making skin tone more even.
Fun fact: Betaine naturally exists in the skin and the body. In cosmetic products, it can be either plant-derived (most commonly from sugar beets) or synthetically produced for consistency and stability.
Betaine is also known as trimethylglycine.
Learn more about BetaineC12-15 Alkyl Benzoate is a lightweight emollient made by combinig benzoic acid with fatty alcohols that are 12-15 carbons long.
In cosmetics, it plays several roles:
The Cosmetic Review Expert Panel has concluded the alkyl benzoate group to be safe as used in cosmetics; it wasn't found to be a skin irritant and unlikely to be absorbed due to its low water solubility.
This report recorded almost 1000 reported uses with concentrations up to 59% in leave-on products but your cosmetics will typically use 0.5-15% depending on the product.
It's often called a "SPF booster": this is because it keeps UV filters properly dissolved and evenly distributed to support a sunscreen's performance. It doesn't actually raise SPF on its own.
Overall, this ingredient is well tolerated.
This ingredient is fungal acne safe because it is an ester of benzoic acid.
Think of this ingredient as two parts stuck together: an oily part and an acid part. Malassezia only gets a meal when it can snip off a fatty acid to eat. With C12-15 Alkyl Benzoate, the acid part is benzoic acid, which isn't a fatty acid and which the yeast can't use as food.
Benzoic acid is actually used as a preservative to stop yeast from growing.
The oily part is a blend of C12-15 fatty alcohols but fatty alcohols in this size range can support only a little Malassezia growth (mostly for one species of Malassezia as well).
In the ingredient, those alcohols stay locked inside the molecule. The yeast can only reach them by snipping the benzoate bond, and that type of bond is harder for it to cut than a normal fatty bond.
So not much gets released. And whatever does get snipped comes packaged with benzoic acid, which discourages yeast growth.
Learn more about C12-15 Alkyl BenzoateCaprylic/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 TriglycerideCaprylyl 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 GlycolChlorphenesin is a synthetic preservative. It helps protect a product against bacteria in order to extend shelf life. In most cases, Chlorphenesin is paired with other preservatives such as phenoxyethanol and caprylyl glycol.
Chlorphenesin is a biocide. This means it is able to help fight the microorganisms on our skin. It is also able to fight odor-releasing bacteria.
Chlorphenesin is soluble in both water and glycerin.
Studies show Chlorphenesin is easily absorbed by our skin. You should speak with a skincare professional if you have concerns about using Chlorphenesin.
Learn more about ChlorphenesinCI 77492 is also hydrated iron III oxide. It's sole purpose is to give a yellow hue to products.
Iron III oxides are classified as inorganic chemicals for coloring.
Synthetically created CI 77492 is considered safer than those naturally found. This is because the synthetically created version may contain less impurities. Iron oxides are generally non-toxic and non-allergenic.
Learn more about CI 77492Dimethicone 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 DimethiconeEthylhexylglycerin 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 EthylhexylglycerinGlycerin (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 GlycerinInositol is a sugar alcohol naturally found in the human body. Our bodies use this ingredient in the process of growing new cells.
Studies show inositol to be a key component for keratinocyte growth.
Keratinocytes make up the majority of the outermost layer of skin. These cells protect our skin from UV exposure, infection, and help keep skin hydrated.
This ingredient is also considered a humectant. Humectants help hydrate the skin by drawing moisture to it.
Learn more about InositolLeuconostoc/Radish Root Ferment Filtrate is a natural preservative. It comes from fermenting radish roots with a bacteria called leuconostoc. The trade name for this ingredient is Leucidal.
Leuconostoc comes from lactic acid.
This ingredient has antimicrobial properties and helps prevent the growth of bacteria in a product.
Leuconostoc is used to make the traditional Korean side-dish, kimchi. It is also used to make sourdough bread (both incredibly yummy foods).
Learn more about Leuconostoc/Radish Root Ferment FiltratePhenoxyethanol 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 PhenoxyethanolPolyhydroxystearic 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 AcidPolymethylsilsesquioxane is a silicone used as a film forming agent.
When applied to the skin, this ingredient creates an invisible film on the surface. This film still allows oxygen to pass through, but prevents moisture from escaping. This can help condition and hydrate the skin. It also leaves a silky feel when applied.
Polymethylsilsesquioxane has not been shown to clog pores. It has been deemed safe to use up to 55%, but most cosmetics use much less.
If you have concerns about using this ingredient, we recommend speaking with a professional.
Learn more about PolymethylsilsesquioxaneTaurine is an amino acid that is found in human skin as an osmolyte. An osmolyte is a small molecule that cells use to hold onto water and stay comfortable under stressful conditions.
In skin cell studies, taurine accumulation helps cells maintain hydration in low-humidity environments. Some dermatology research on osmolytes also link taurine to barrier support. Research also suggests that osomolyte systems can be disrupted in photoaged skin.
One animal study reported tropical taurine improved barrier function and collagen signaling, while another one found oral taurine can lessen UVB-related damage. It is important to note that evidence for taurine in skincare is mostly preclinical, meaning further studies are needed.
Learn more about TaurineTocopheryl Acetate is a stable, shelf-friendly form of vitamin E.
Formulators love it because plain vitamin E oxidizes quickly once it hits air. This acetate version stays stable and resists going off, helping to extend a product's shelf life.
It's actually inactive on its own and works like a slow-release "storage" form; the enzymes in your skin called esterases gradually convert it into active vitamin E over time.
One in vivo study showed 5% of the acetate in the living layer of the epidermis converted to vitamin E after 5 days of application. This study also found the skin gained protection against UV damage even though the conversion was slow and small.
Once converted, vitamin E acts as a skin's main fat-soluble antioxidant that fights free radicals to protect skin from damage.
Topical vitamin E generally boosts the skin's photoprotection, and it reduced UV-damage in animal models.
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.
Overall, it has a pretty solid safety profile and has been found to be non-irritating and non-comedogenic. Allergic reactions may happen but stay rare due to how widely the ingredient gets used.
The concentration will vary depending on the formula; industry data shows 0.1% in baby lotions, 3% in lipsticks, and 5% in foot powders. You can also find this ingredient at 100% in a pure vitamin E oil.
Most leave-on skincare keeps it at the lower end, often between 0.5-1%.
Learn more about Tocopheryl AcetateTrehalose is a disaccharide made of two glucose molecules (glucose is sugar!). Trehalose is used to help moisturize skin. It also has antioxidant properties.
As a humectant, trehalose helps draw moisture from the air to your skin. This helps keep your skin hydrated.
Due to its antioxidant properties, trehalose may help with signs of aging. Antioxidants help fight free-radical molecules, unstable molecules that may damage your skin.
In medicine, trehalose and hyaluronic acid are used to help treat dry eyes.
Some animals, plants, and bacteria create trehalose as a source of energy to survive freeze or lack of water.
Learn more about TrehaloseTriethoxycaprylylsilane 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 TriethoxycaprylylsilaneUrea is also called carbamide and is the diamide of carbonic acid. In cosmetics, urea is used to hydrate the skin. It also provides exfoliation in higher concentrations.
As a humectant, urea helps draw moisture from the air and from deep within the skin. This helps hydrate your skin. Studies show urea is an effective moisturizer for dry skin conditions. 40% urea is typical in medications for treating eczema and other skin conditions.
Urea has the strongest exfoliation effect in concentrations higher than 10%. It is a keratolytic agent, meaning it breaks down the keratin protein in the top layer of skin. This helps remove dead skin cells and flaking skin.
In medicine, urea has been shown to help increase the potency of other ingredients, such as fungal treatments.
Humans and animals use urea to metabolize nitrogen-containing compounds. Urea is highly soluble in water. Once dissolved, it is neither acidic nor alkaline.
Urea is actually one of the more well-studied and well-supported ingredients out there if you have eczema.
Clinical trials have shown that urea creams in the 5 - 10% range can:
Higher concentrations (20 -30%) can also help with thickened, scaly patches but is also more likely to sting on active flares.
Skip urea if you have rosacea. The AAD (American Academy of Dermatology) lists it alongside alcohol, menthol, and fragrance as a potential irritant for rosacea-prone skin. Urea's keratolytic and penetration-enhancing properties can trigger stinging, burning, and redness.
As always, your skin is unique, so definitely check in with your dermatologist.
Learn more about UreaWater. 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 WaterWe don't have a description for Yeast Amino Acids yet.
Zinc 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