What's inside
What's inside
Key Ingredients
Benefits
Concerns
Ingredients Side-by-side
Zinc Oxide 10%
Cosmetic ColorantWater
Skin ConditioningC12-15 Alkyl Benzoate
AntimicrobialCaprylic/Capric Triglyceride
MaskingLauryl PEG-8 Dimethicone
SurfactantDimethicone
EmollientIsododecane
EmollientTridecyl Salicylate
Skin ConditioningHdi/Trimethylol Hexyllactone Crosspolymer
Propanediol
SolventCaprylyl Methicone
Skin ConditioningPolymethylsilsesquioxane
Niacinamide
SmoothingSaccharomyces/Rice Ferment Filtrate
Skin ConditioningSilica
AbrasiveSqualane
EmollientCamellia Sinensis Leaf Extract
AntimicrobialCladosiphon Okamuranus Extract
Skin ConditioningHydrolyzed Silk
HumectantBisabolol
AntioxidantAllantoin
Skin ConditioningTocopherol
AntioxidantTheobroma Cacao Seed Extract
AntioxidantArctium Lappa Root Extract
Skin ConditioningKappaphycus Alvarezii Extract
Skin ConditioningSodium Hyaluronate
HumectantLecithin
EmollientCaesalpinia Spinosa Fruit Extract
Skin ProtectingLactobacillus
Skin ConditioningMaltodextrin
AbsorbentCaprylyl Glycol
EmollientDimethicone Crosspolymer
Emulsion StabilisingHydrogenated Lecithin
EmulsifyingTetrasodium Glutamate Diacetate
PEG-10
HumectantPolyglyceryl-2 Dipolyhydroxystearate
Skin ConditioningPropylene Glycol
HumectantLauryl PEG-10 Tris(Trimethylsiloxy)Silylethyl Dimethicone
EmulsifyingPolyglyceryl-4 Diisostearate/Polyhydroxystearate/Sebacate
EmulsifyingButylene Glycol
HumectantPhosphoric Acid
BufferingSodium Hydroxide
BufferingSodium Chloride
MaskingHexylene Glycol
EmulsifyingEthylhexylglycerin
Skin ConditioningPhenoxyethanol
PreservativeIron Oxides
Zinc Oxide 10%, Water, C12-15 Alkyl Benzoate, Caprylic/Capric Triglyceride, Lauryl PEG-8 Dimethicone, Dimethicone, Isododecane, Tridecyl Salicylate, Hdi/Trimethylol Hexyllactone Crosspolymer, Propanediol, Caprylyl Methicone, Polymethylsilsesquioxane, Niacinamide, Saccharomyces/Rice Ferment Filtrate, Silica, Squalane, Camellia Sinensis Leaf Extract, Cladosiphon Okamuranus Extract, Hydrolyzed Silk, Bisabolol, Allantoin, Tocopherol, Theobroma Cacao Seed Extract, Arctium Lappa Root Extract, Kappaphycus Alvarezii Extract, Sodium Hyaluronate, Lecithin, Caesalpinia Spinosa Fruit Extract, Lactobacillus, Maltodextrin, Caprylyl Glycol, Dimethicone Crosspolymer, Hydrogenated Lecithin, Tetrasodium Glutamate Diacetate, PEG-10, Polyglyceryl-2 Dipolyhydroxystearate, Propylene Glycol, Lauryl PEG-10 Tris(Trimethylsiloxy)Silylethyl Dimethicone, Polyglyceryl-4 Diisostearate/Polyhydroxystearate/Sebacate, Butylene Glycol, Phosphoric Acid, Sodium Hydroxide, Sodium Chloride, Hexylene Glycol, Ethylhexylglycerin, Phenoxyethanol, Iron Oxides
Titanium Dioxide 3.6%
Cosmetic ColorantZinc Oxide 2.34%
Cosmetic ColorantWater
Skin ConditioningIsododecane
EmollientC12-15 Alkyl Benzoate
AntimicrobialDimethicone
EmollientTriethylhexanoin
MaskingCaprylic/Capric Triglyceride
MaskingButyloctyl Salicylate
Skin ConditioningCaprylyl Methicone
Skin ConditioningSilica
AbrasiveStyrene/Acrylates Copolymer
Pentylene Glycol
Skin ConditioningTriolein
Skin ConditioningMagnesium Sulfate
Lactobacillus
Skin ConditioningLactobacillus Ferment
Skin ConditioningLactococcus Ferment Lysate
Skin ConditioningBeta Vulgaris Root Extract
Skin ConditioningCurcuma Longa Root Extract
MaskingPrunus Persica Fruit Extract
AbrasivePrunus Persica Leaf Extract
EmollientEpilobium Angustifolium Flower/Leaf/Stem Extract
Skin ConditioningHedychium Coronarium Root Extract
MaskingInulin
Skin ConditioningLactic Acid
BufferingPolymnia Sonchifolia Root Juice
Skin ConditioningAlpha-Glucan Oligosaccharide
CleansingLithothamnion Calcareum Powder
AbrasiveOcimum Sanctum Leaf Extract
Skin ConditioningZinc Sulfate
AntimicrobialAloe Barbadensis Flower Extract
EmollientAminopropyl Triethoxysilane
SurfactantButylene Glycol
HumectantCoccinia Indica Fruit Extract
Skin ConditioningCocos Nucifera Fruit Extract
EmollientTocopherol
AntioxidantCorallina Officinalis Extract
Skin ConditioningDiatomaceous Earth
AbrasivePolyglyceryl-3 Polyricinoleate
EmulsifyingDimethicone/PEG-10/15 Crosspolymer
Dipropylene Glycol
HumectantGlycerin
HumectantDisteardimonium Hectorite
StabilisingIsopropyl Titanium Triisostearate
EmollientIsostearic Acid
CleansingSolanum Melongena Fruit Extract
Skin ConditioningMaltodextrin
AbsorbentMannitol
HumectantMelia Azadirachta Flower Extract
Skin ConditioningMelia Azadirachta Leaf Extract
Skin ConditioningMica
Cosmetic ColorantNylon-12
PEG-9 Polydimethylsiloxyethyl Dimethicone
EmulsifyingPhenyl Trimethicone
Skin ConditioningPolyhydroxystearic Acid
EmulsifyingPropanediol
SolventPropylene Carbonate
SolventRubus Idaeus Fruit Extract
AstringentPyrus Malus Fruit Extract
Skin ConditioningSodium Benzoate
MaskingPrunus Armeniaca Kernel Extract
Skin ConditioningSodium Citrate
BufferingSodium Metabisulfite
AntioxidantStearic Acid
CleansingEthylhexylglycerin
Skin ConditioningPhenoxyethanol
PreservativeSodium Chloride
MaskingAmmonium Hydroxide
BufferingTrisodium Ethylenediamine Disuccinate
1,2-Hexanediol
Skin ConditioningCaprylyl Glycol
EmollientCI 77891
Cosmetic ColorantCI 77491
Cosmetic ColorantTitanium Dioxide 3.6%, Zinc Oxide 2.34%, Water, Isododecane, C12-15 Alkyl Benzoate, Dimethicone, Triethylhexanoin, Caprylic/Capric Triglyceride, Butyloctyl Salicylate, Caprylyl Methicone, Silica, Styrene/Acrylates Copolymer, Pentylene Glycol, Triolein, Magnesium Sulfate, Lactobacillus, Lactobacillus Ferment, Lactococcus Ferment Lysate, Beta Vulgaris Root Extract, Curcuma Longa Root Extract, Prunus Persica Fruit Extract, Prunus Persica Leaf Extract, Epilobium Angustifolium Flower/Leaf/Stem Extract, Hedychium Coronarium Root Extract, Inulin, Lactic Acid, Polymnia Sonchifolia Root Juice, Alpha-Glucan Oligosaccharide, Lithothamnion Calcareum Powder, Ocimum Sanctum Leaf Extract, Zinc Sulfate, Aloe Barbadensis Flower Extract, Aminopropyl Triethoxysilane, Butylene Glycol, Coccinia Indica Fruit Extract, Cocos Nucifera Fruit Extract, Tocopherol, Corallina Officinalis Extract, Diatomaceous Earth, Polyglyceryl-3 Polyricinoleate, Dimethicone/PEG-10/15 Crosspolymer, Dipropylene Glycol, Glycerin, Disteardimonium Hectorite, Isopropyl Titanium Triisostearate, Isostearic Acid, Solanum Melongena Fruit Extract, Maltodextrin, Mannitol, Melia Azadirachta Flower Extract, Melia Azadirachta Leaf Extract, Mica, Nylon-12, PEG-9 Polydimethylsiloxyethyl Dimethicone, Phenyl Trimethicone, Polyhydroxystearic Acid, Propanediol, Propylene Carbonate, Rubus Idaeus Fruit Extract, Pyrus Malus Fruit Extract, Sodium Benzoate, Prunus Armeniaca Kernel Extract, Sodium Citrate, Sodium Metabisulfite, Stearic Acid, Ethylhexylglycerin, Phenoxyethanol, Sodium Chloride, Ammonium Hydroxide, Trisodium Ethylenediamine Disuccinate, 1,2-Hexanediol, Caprylyl Glycol, CI 77891, CI 77491
Reviews
Ingredients Explained
These ingredients are found in both products.
Ingredients higher up in an ingredient list are typically present in a larger amount.
Butylene 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 GlycolC12-15 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 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 MethiconeDimethicone 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 EthylhexylglycerinIsododecane is a fragrance, emollient, and solvent.
As an emollient, it helps your skin stay soft and hydrated. Emollients help trap moisture into your skin.
Isododecane's role as a solvent makes it a great texture enhancer. It spreads smoothly on skin and does not leave a sticky feeling behind. Isododecane also helps prevent color transfer in makeup products.
Isododecane is not absorbed into skin.
The chemical name for this ingredient is 2,2,4,6,6-PENTAMETHYLHEPTANE.
Learn more about IsododecaneLactobacillus is the INCI name for the live, whole lactic bacteria culture itself and is classified as a skin conditioning agent.
It is the same genus of probiotic that you can find in yogurt or fermented foods and it shows up at low levels naturally on human skin.
This ingredient is more of a microbiome agent rather than an active; it helps rebalance the skin's microbial community.
The bacteria and their metabolites produce lactic acid and other antimicrobial compounds that crowd out the "bad bacteria". Research on Lactobacillus strains shows activity against pathogens and acne-causing bacteria.
One strain, Lactobacillus plantarum, has also been shown to boost collagen synthesis and lower melanin synthesis in lab and clinical observation.
The most eye-catching data comes from acne research, a topical cream with live lactobacilli was well-tolerated and improved skin hydration by 37.3% after 14 days of use and 45.6% after 28 days.
Sources for this ingredient are usually fermented substrates like dairy, soy, or rice.
In general, this is a low-irritation and well-tolerated ingredient that plays nice with most of your routine.
One thing to keep in mind is that live bacteria are hard to keep alive inside of a skincare product. They struggle to survive on the shelf and don't get along with the preservatives that stop products from spoiling.
That's why you'll see ferment and postbiotic forms instead, like Lactobacillus Ferment or Lactobacillus Ferment Lysate.
There isn't a fixed percentage for this ingredient since it is dosed by strain and viable count.
On the fungal acne front: Lactobacillus is a bacterium (not a fungus). The whole culture contains no fatty acids, esters, or oils that Malassezia can feed on so it is considered fungal acne safe.
Learn more about LactobacillusMaltodextrin is a plant-derived carbohydrate made by breaking down starch (usually from corn, potato, or rice). In cosmetic formulas, it's a multitasking absorbent, emulsion stabilizer, and skin conditioner.
This ingredient is mostly used to stabilize emulsions and improve the powdery, non-greasy feel of products (like dry shampoos).
Safety-wise, this ingredient is pretty solid; it's even recognized as a food additive. Both animal and clinical studies found no adverse effects at the levels used in cosmetics.
Industry data shows this ingredient is used up to 45.7% in spray products and up to 33% in powder products.
Learn more about MaltodextrinPhenoxyethanol 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 PhenoxyethanolPropanediol is an all-star ingredient. It softens, hydrates, and smooths the skin.
It’s often used to:
Propanediol is not likely to cause sensitivity and considered safe to use. It is derived from corn or petroleum with a clear color and no scent.
Learn more about PropanediolSilica, 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 ChlorideTocopherol 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 TocopherolWater. 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