What's inside
What's inside
Key Ingredients
Benefits
Concerns
Ingredients Side-by-side
Dimethicone
EmollientDiisopropyl Sebacate
EmollientWater
Skin ConditioningSilica
AbrasiveZinc Oxide
Cosmetic ColorantCetyl Ethylhexanoate
EmollientButylene Glycol
HumectantPentaerythrityl Tetraethylhexanoate
EmollientTriethylhexanoin
MaskingCaprylyl Methicone
Skin ConditioningDiethylhexyl Succinate
EmollientTitanium Dioxide
Cosmetic ColorantGlycerin
HumectantPEG-9 Polydimethylsiloxyethyl Dimethicone
EmulsifyingDiethylamino Hydroxybenzoyl Hexyl Benzoate
UV FilterEthylhexyl Triazone
UV AbsorberDisteardimonium Hectorite
StabilisingDextrin Palmitate
EmulsifyingTrimethylsiloxysilicate
EmollientBis-Ethylhexyloxyphenol Methoxyphenyl Triazine
Skin ConditioningSodium Chloride
MaskingPotassium Glycyrrhizinate
Skin ConditioningPEG/PPG-14/7 Dimethyl Ether
Skin ConditioningScutellaria Baicalensis Root Extract
AstringentRubus Idaeus Extract
Skin ProtectingHamamelis Virginiana Leaf Extract
Skin ConditioningAloe Barbadensis Leaf Extract
EmollientThymus Serpyllum Extract
Skin ConditioningPinellia Ternata Extract
Skin ConditioningHydrated Silica
AbrasiveIsostearic Acid
CleansingPEG-10 Dimethicone
Skin ConditioningTriethoxycaprylylsilane
Hydrogenated Palm Oil
EmollientHydrogen Dimethicone
Elaeis Guineensis Kernel Oil
EmollientElaeis Guineensis Oil
EmollientSodium Citrate
BufferingStearic Acid
CleansingSodium Metabisulfite
AntioxidantMelilotus Officinalis Leaf Extract
Skin ConditioningTocopherol
AntioxidantCitric Acid
BufferingPhenoxyethanol
PreservativeDimethicone, Diisopropyl Sebacate, Water, Silica, Zinc Oxide, Cetyl Ethylhexanoate, Butylene Glycol, Pentaerythrityl Tetraethylhexanoate, Triethylhexanoin, Caprylyl Methicone, Diethylhexyl Succinate, Titanium Dioxide, Glycerin, PEG-9 Polydimethylsiloxyethyl Dimethicone, Diethylamino Hydroxybenzoyl Hexyl Benzoate, Ethylhexyl Triazone, Disteardimonium Hectorite, Dextrin Palmitate, Trimethylsiloxysilicate, Bis-Ethylhexyloxyphenol Methoxyphenyl Triazine, Sodium Chloride, Potassium Glycyrrhizinate, PEG/PPG-14/7 Dimethyl Ether, Scutellaria Baicalensis Root Extract, Rubus Idaeus Extract, Hamamelis Virginiana Leaf Extract, Aloe Barbadensis Leaf Extract, Thymus Serpyllum Extract, Pinellia Ternata Extract, Hydrated Silica, Isostearic Acid, PEG-10 Dimethicone, Triethoxycaprylylsilane, Hydrogenated Palm Oil, Hydrogen Dimethicone, Elaeis Guineensis Kernel Oil, Elaeis Guineensis Oil, Sodium Citrate, Stearic Acid, Sodium Metabisulfite, Melilotus Officinalis Leaf Extract, Tocopherol, Citric Acid, Phenoxyethanol
Water
Skin ConditioningDimethicone
EmollientDiisopropyl Sebacate
EmollientButylene Glycol
HumectantCaprylyl Methicone
Skin ConditioningCetyl Ethylhexanoate
EmollientTitanium Dioxide
Cosmetic ColorantPentaerythrityl Tetraethylhexanoate
EmollientTriethylhexanoin
MaskingDiethylhexyl Succinate
EmollientZinc Oxide
Cosmetic ColorantDipropylene Glycol
HumectantSilica
AbrasiveGlycerin
HumectantPEG-9 Polydimethylsiloxyethyl Dimethicone
EmulsifyingDiethylamino Hydroxybenzoyl Hexyl Benzoate
UV FilterBis-Ethylhexyloxyphenol Methoxyphenyl Triazine
Skin ConditioningPEG/PPG-14/7 Dimethyl Ether
Skin ConditioningSodium Chloride
MaskingThiotaurine
AntioxidantPotentilla Erecta Root Extract
Skin ConditioningDipotassium Glycyrrhizate
HumectantAngelica Keiskei Leaf/Stem Extract
Skin ConditioningSodium Acetylated Hyaluronate
HumectantPEG-10 Dimethicone
Skin ConditioningAluminum Hydroxide
EmollientDisteardimonium Hectorite
StabilisingEthylhexyl Triazone
UV AbsorberPEG-12 Dimethicone
Skin ConditioningStearic Acid
CleansingHydrogen Dimethicone
Beheneth-20
EmulsifyingSodium Citrate
BufferingCitric Acid
BufferingSodium Metaphosphate
BufferingSodium Metabisulfite
AntioxidantPrunus Yedoensis Leaf Extract
Skin ConditioningCarbomer
Emulsion StabilisingTrifluoropropyldimethyl/Trimethylsiloxysilicate
EmollientTocopherol
AntioxidantPhenoxyethanol
PreservativeBenzoic Acid
MaskingCI 77120
Cosmetic ColorantWater, Dimethicone, Diisopropyl Sebacate, Butylene Glycol, Caprylyl Methicone, Cetyl Ethylhexanoate, Titanium Dioxide, Pentaerythrityl Tetraethylhexanoate, Triethylhexanoin, Diethylhexyl Succinate, Zinc Oxide, Dipropylene Glycol, Silica, Glycerin, PEG-9 Polydimethylsiloxyethyl Dimethicone, Diethylamino Hydroxybenzoyl Hexyl Benzoate, Bis-Ethylhexyloxyphenol Methoxyphenyl Triazine, PEG/PPG-14/7 Dimethyl Ether, Sodium Chloride, Thiotaurine, Potentilla Erecta Root Extract, Dipotassium Glycyrrhizate, Angelica Keiskei Leaf/Stem Extract, Sodium Acetylated Hyaluronate, PEG-10 Dimethicone, Aluminum Hydroxide, Disteardimonium Hectorite, Ethylhexyl Triazone, PEG-12 Dimethicone, Stearic Acid, Hydrogen Dimethicone, Beheneth-20, Sodium Citrate, Citric Acid, Sodium Metaphosphate, Sodium Metabisulfite, Prunus Yedoensis Leaf Extract, Carbomer, Trifluoropropyldimethyl/Trimethylsiloxysilicate, Tocopherol, Phenoxyethanol, Benzoic Acid, CI 77120
Reviews
Ingredients Explained
These ingredients are found in both products.
Ingredients higher up in an ingredient list are typically present in a larger amount.
This ingredient is better known as bemotrizinol or Tinosorb S and is one of the best broad-spectrum UV filters in modern sunscreen.
It works by absorbing UV light across a whole range (280-400 nm) with peaks around 310 nm (UVB) and 340-345 nm (UVA). This means it covers UVB plus the deeper UVA wavelengths that drive photoaging and pigmentation.
Another pro?
It's exceptionally photostable, barely degrades in sunlight, and acts as a "bodyguard" for less stable filters.
That's why you'll see it paired with avobenzone or octinoxate; this team up ensures they keep working through sun exposure.
Safety reviews have been reassuring across the board. This ingredient shows low absorption through the skin, rarely irritates, and lab studies found it doesn't act like a hormone in the body (a concern that's been raised about some older sunscreen filters).
On maximum concentrations:
In 2026, the US F.D.A finally added it as an OTC sunscreen ingredient at concentrations up to 6% for adults / children 6 months and older
Learn more about Bis-Ethylhexyloxyphenol Methoxyphenyl TriazineButylene 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 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 MethiconeCetyl Ethylhexanoate is an emollient ester. It comes from cetearyl alcohol and 2-ethylhexanoic acid.
Cetyl Ethylhexanoate is an emollient that adds a velvety feel to skin without being greasy or oily. Emollients help trap moisture into your skin, keeping your skin soft and hydrated.
Citric 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 AcidDiethylamino Hydroxybenzoyl Hexyl Benzoate (DHHB) is a chemical UV-A absorber. It is formulated for high UVA protection (320-400 nm).
DHHB is well-liked for:
DHHB has been approved by the EU, Japan, Taiwan, and South America for use up to 10%. Unfortunately, it has not been approved for use in the US or Canada due to slow regulatory processes.
This ingredient is soluble in oils, fats, and lipids.
Learn more about Diethylamino Hydroxybenzoyl Hexyl BenzoateDiethylhexyl Succinate comes from succinic acid and 2-ethylhexyl alcohol.
It is a synthetic emollient.
We don't have a description for Diisopropyl Sebacate yet.
Dimethicone 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 DimethiconeDisteardimonium Hectorite comes from the clay mineral named hectorite. It is used to add thickness to a product.
It can also help stabilize a product by helping to disperse other ingredients.
Hectorite is a rare, white clay mineral.
Learn more about Disteardimonium HectoriteEthylhexyl Triazone (aka Octyl Triazone) is an oil-soluble organic UVB filter. It has peak absorption around 314 nm, right in the middle of the UVB range.
This ingredient is described as one of the most effective UVB filters available and small concentrations are enough to deliver a high SPF thanks to its strong UV absorbing power.
Formulators love it for its stability; its ability to filter UV stays practically unchanged even under intense radiation and it can also help boost the photostability of less stable filters like avobenzone.
It's also a great pick for water resistant products because it's insoluble in water and has a good affinity for keratin.
Because it's a big, heavy molecule, the European Scientific Committee has found to to have very low dermal penetration and negative results for allergenicity.
In vitro testing also showed a low absorption rate and clean results on irritation.
Typical use levels are 1-5% with 5% being the maximum in the EU, Japan, and other markets that allow it. However, this ingredient is not approved yet in the US or Canada.
Learn more about Ethylhexyl TriazoneGlycerin (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 GlycerinHydrogen dimethicone is a silicone-based ingredient. It is mainly used to alter the texture and spread of a product without adding "stickiness".
Peg-10 Dimethicone is silicone with conditioner and emulsifier properties. It mostly acts as an emollient in skincare and and humectant in haircare.
According to the manufacturer, acidic formulations decrease the stability of this ingredient. It works best in neutral or near neutral formulations.
PEG-9 Polydimethylsiloxyethyl Dimethicone is a type of silicone.
We don't have a description for PEG/PPG-14/7 Dimethyl Ether yet.
Pentaerythrityl Tetraethylhexanoate is an emollient that helps make your skin smooth and hydrated. It specializes in creating a non-oily and "wet" feeling on skin.
This ingredient comes from isostearic acid, a saturated fatty acid. It is a synthetic ingredient.
Phenoxyethanol 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 PhenoxyethanolSilica, also known as silicon dioxide, is a naturally occurring mineral. It is used as a fine, spherical, and porous powder in cosmetics.
Though it has exfoliant properties, the function of silica varies depending on the product.
The unique structure of silica enhances the spreadability and adds smoothness, making it a great texture enhancer.
It is also used as an active carrier, emulsifier, and mattifier due to its ability to absorb excess oil.
In some products, tiny microneedles called spicules are made from silica or hydrolyzed sponge. When you rub them in, they lightly polish away dead skin layers and enhance the penetration of active ingredients.
Learn more about SilicaChances are, you eat sodium chloride every day. Sodium Chloride is also known as table salt. This ingredient has many purposes in skincare: thickener, emulsifier, and exfoliator.
You'll most likely find this ingredient in cleansers where it is used to create a gel-like texture. As an emulsifier, it also prevents ingredients from separating.
You might see people debate whether Sodium Chloride is comedogenic, but there actually haven't been any comedogenic tests done on it. Either way, the overall formulation of a product matters a lot more than any single ingredient.
You might see this ingredient used in scrubs as a primary exfoliating ingredient.
Learn more about Sodium ChlorideSodium Citrate is the sodium salts of citric acid. In skincare, it is used to alter pH levels and acts as a preservative.
Its main functions are to maintain the pH of a product and neutralize metal ions.
The acidity of our skin is maintained by our glands and skin biome; normal pH level of skin is slightly acidic (~4.75-5.5).
Being slightly acidic allows our skin to create an "acid mantle". This acid mantle is a thin barrier that protects our skin from bacteria and contaminants.
Learn more about Sodium CitrateSodium metabisulfite is also known as Sodium Pyrosulfite. It is a preservative, antioxidant, and disinfectant.
As a preservative, it helps stabilize cosmetic formulas without affecting their color or scent.
Stearic Acid is a fatty acid that is already found in your skin. It's one of the free fatty acids that works alongside ceramides and cholesterols to maintain your barrier.
In cosmetics, it is a multitasker:
Safety-wise, the CIR Expert Panel has concluded it to be safe in cosmetics when formulated to be non-irritating and non-sensitizing.
Free stearic acid is a C18 fatty acid that the Malassezia yeast can substrate, so this ingredient may not be fungal acne safe.
Learn more about Stearic AcidTitanium 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 TocopherolTriethylhexanoin is created from glycerin and 2-ethylhexanoic acid. It is a solvent and emollient.
As a solvent, Triethylhexanoin helps dissolve ingredients to stable bases or help evenly distribute ingredients throughout the product.
It is also an emollient and helps condition the skin.
Learn more about TriethylhexanoinWater. 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