Banana Boat Kids Max Protect & Play Broad Spectrum Sunscreen SPF 100

On concentrations:

So why did the EU cut back on how much you can use?

It comes down to absorption. Oxybenzone passes through skin more easily than other filters.

When the FDA tested sunscreens, every filter showed up in people's blood above the level where the agency wants extra safety testing done. But Oxybenzone showed up at by far the highest levels of the bunch.

To be clear, the FDA's point was that we need more research and not that the ingredient is dangerous. They also said to keep using sunscreen.

That high absorption, plus some animal studies pointing to effects on reproduction, is why EU regulators labeled Benzophenone-3 a hormone disruptor in 2025. An official classification is expected to follow in 2026.

It's also the most common photoallergen among sunscreen filters so it's a more frequent cause of contact/photoallergic dermatitis than most alternatives.

Places like Hawaii and Palau have also banned it over coral-reef concerns.

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!

Hydrogenated Polyisobutene is often used as a mineral oil replacement.

Photostabilizers help stabilize UV-filters and prevents them from degrading quickly.

One thing worth noting: a controlled study found this ingredient applied under occlusion to acne-prone subjects increased microcomedones. Just keep in mind this was under occlusive conditions and don't reflect how most products are used day-to-day.

For most people, this is a well-tolerated and lightweight ingredient.

This ingredient may not be fungal acne safe because it is an ester of palmitic acid, a C16 fatty acid that falls within the C11-24 range that Malassezia can metabolize.

Silica is often used for absorption and can help reduce shine when products are applied.

The safety profile of this ingredient is reassuring; the US CIR Expert Panel concluded D5 is safe as used in cosmetics and Health Canada concluded that D5 is not harmful to human health or the environment as currently used in cosmetics

There's a study that people mention about D5 in a rat study showing tumors. This study is related to long-term inhalation of high D5 levels.

Regulatory bodies have judged this study to be not applicable in topical skincare since skin absorption of D5 is very low and we're not really inhaling huge amounts of D5.

The only restriction for this ingredient is environmental. The European Chemicals Agency (ECHA) restricted D5 in wash-off cosmetics at or above 0.1% due to their persistence in water.

As an emollient, it can help the skin feel soft and hydrated. It is also used to reduce frizz in hair products.

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.

In comedogenic testing, Beeswax scored a 0-2, which is on the low end. Whether or not a product clogs your pores really comes down to the formula as a whole (not any single ingredient on its own).

Cera Alba is the white, bleached form of this ingredient.

Just so you know, beeswax is not vegan since it is animal-derived. It cannot be removed with water, but can be taken off with an oil cleanser.

People with a known Propolis allergy also report to have reactions from beeswax.

Beeswax's wax esters are derived primarily from palmitic and oleic acid (C16 and C18:1). Both of these fall within the C11-C24 feeding window.

The Malassezia yeast can potentially cleave these esters and release usable fatty acids, so this ingredient may not be fungal acne safe. However, not everyone will react to this ingredient.

Because it is not a free-fatty acid, this ingredient is fungal acne safe (there's nothing for Malassezia to feed on).

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%.

Aloe leaves are also great moisturizers. They are naturally rich in polysaccharides, a carbohydrate made of sugars. Polysaccharides are able to mimic the carbs found in the top layer of your skin. This can help keep your skin hydrated.

Aloe contains the antioxidants Vitamins A, C, and E. These vitamins neutralize free radicals. Free-radicals are molecules that may damage your skin cells, such as pollution.

Aloe does not protect against UV rays, despite it soothing sunburns.

You'll likely see this in many BHA products because this is the go-to solvent for salicylic acid.

This ingredient is typically used at levels between 2-20%.

Regarding fungal acne:
In 2019, this ingredient was tested against multiple Malassezia species (the yeast that causes fungal acne) and showed no growth.

First, Retinyl palmitate is created from palmitic acid and retinol. It is a retinol ester and considered one of the weaker forms of retinoid.

This is because all retinoids have to be converted to Tretinoin, AKA retinoic acid. Retinyl Palmitate is pretty far down the line and has to go through multiple conversions before its effects are seen.

Due to this long and ineffective conversion line, the benefits of Retinyl Palmitate are debated.

Studies show Retinyl Palmitate to help:

Dermatologists say this ingredient is ineffective because it isn't used in high enough concentrations in cosmetics.

This ingredient used to be found in sunscreens to boost the efficacy of sunscreen filters.

The downfall of Retinyl Palmitate was due to released reports about the ingredient being correlated to sun damage and skin tumors.

While there is a study showing this ingredient to cause DNA damage when exposed to UV-A, there is no concrete proof of it being linked to skin cancer. It is safe to use when used correctly.

All retinoids increase your skin's sensitivity to the sun in the first few months of usage. Be especially careful with reapplying sunscreen when using any form of retinoid.

Currently, this ingredient is still allowed in cosmetics all over the world. In Canada, cosmetics must have a warning label stating the product to contain Retinyl Palmitate

Fun fact: This ingredient is often added to low-fat milk to increase the levels of Vitamin A.

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.

Tocopheryl Acetate is commonly found in both skincare and dietary supplements.

Topical vitamin C has been shown to help neutralize oxidative stress from UV and pollution, helping to improve photoaging and hyperpigmentation when used consistently.

One clinical study found that using 5% topical vitamin C for six months improved signs of photodamaged skin, both on the surface and in the deeper structural layers of the skin.

While vitamin C doesn’t replace sunscreen, studies show it can boost photoprotection when combined with Vitamin E and ferulic acid. These two ingredients help improve stability and protective effects.

The big downside of this ingredient is formulation difficulty. Vitamin C is prone to oxidation and doesn't penetrate the skin unless formulated correctly. Research found that vitamin C absorbs into the skin best at a low pH (< 3.5) with about 20% being the upper limit for effective absorption.

Skin levels can saturate after repeated application; this means your skin won’t keep absorbing more once it’s full of vitamin C. This is why more isn’t always better with vitamin C and why very high concentrations don’t necessarily give extra benefits.

Ascorbic acid generally works well with many skincare ingredients but can be irritating when combined with other active ingredients. Strong oxidizing acne treatments like benzoyl peroxide can reduce the effectiveness of vitamin C if they are used at the same time; they are often recommended for use at different times of day.

Read more about other types of Vitamin C:

Foods rich with vitamin C include oranges, strawberries, broccoli, bell peppers, and more. When consuming Vitamin C, your skin receives a portion of the nutrients.

As a preservative, it works by disrupting the membrane of microbial proteins. This helps keep bacteria and fungi from growing in your products.

The sensitization picture is actually quite assuring as well:of nearly 71,000 patients patch tested with benzyl alcohol, only 0.21% showed a positive reaction with most of them being weakly positive.

This led researchers to conclude that benzyl alcohol cannot be regarded as a significant contact allergen.

It is worth noting this ingredient is classified as one of the EU's regulated fragrance allergens and restricted to 1% in finished products.

Labels must also declare it in concentrations above 0.001% in leave-on products and 0.01% in rinse-off products.

At concentrations around 5%, localized redness and itching can appear as a direct irritant response and not as a true allergic reaction.

This is also one of the most heavily studied preservatives out there and major regulatory bodies have repeatedly given it the green light.

In 2023, the EU's Scientific Committee on Consumer Safety (SCCS) confirmed that this ingredient is safe up to 0.4% on its own, of up to 0.8% when mixed with other paraben esters.

Here's the science behind the noise behind parabens/hormones as well:

Methylparaben shows very weak estrogen-like activity in vitro tests (more than 1,000x weaker than your body's own estradiol). In vivo (live-organism) studies don't support a meaningful endocrine-disrupting effect either.

You get a stronger estrogenic effect from eating tofu, actually.

It's also a low sensitizer and allergic reactions are uncommon; they usually happen on damage or broken skin.

There is a caveat: France has proposed to formally re-examine its endocrine classification in 2025 so the regulatory conversation isn't fully closed as of yet.

But as it stands today, this ingredient is considered safe at permitted levels.

You'll likely see it paired with methylparaben to cover the full range (including gram-negative bacteria).

This ingredient is effective at low concentrations (~0.2-0.5%) and stable across a wide pH range (4.5-7.5 pH). It's effectiveness drops off above pH 8 and it can lose potency when combined with non-ionic surfactants like polysorbate 80 due to micellization.

The regulatory bodies have concluded this ingredient to be safe as used in cosmetics. The EU has capped it at 0.14% and combined parabens are not to exceed 0.8%.

While parabens do cross the stratum corneum, only about 1% remains for absorption into the body. This is because most of it is metabolized within living skin.