Overview
What it is
Sunscreen with 16 ingredients that contains SPF
Cool Features
It is fungal acne (malassezia) safe
Suited For
It has ingredients that are good for dry skin and scar healing
Free From
It doesn't contain any harsh alcohols, common allergens, fragrances, oils, parabens or sulfates
Fun facts
Banana Boat is from United States.
We independently verify ingredients and our claims are backed by peer-reviewed research. Does this product need an update? Let us know.
What's inside
Ingredients List
Butyl Methoxydibenzoylmethane 3%
UV AbsorberHomosalate 9%
Skin ConditioningOctocrylene 6%
UV AbsorberWater
Skin ConditioningIsobutane
Isohexadecane
EmollientC12-15 Alkyl Benzoate
AntimicrobialCetyl PEG/PPG-10/1 Dimethicone
EmulsifyingLauryl PEG-8 Dimethicone
SurfactantMyrica Cerifera Fruit Wax
EmollientEthylhexyl Methoxycrylene
Skin ConditioningSodium Chloride
MaskingGlycerin
HumectantPhenoxyethanol
PreservativeCaprylyl Glycol
EmollientSodium Citrate
Buffering
Active Ingredients:
Butyl Methoxydibenzoylmethane 3%, Homosalate 9%, Octocrylene 6%
Inactive Ingredients:
Water, Isobutane, Isohexadecane, C12-15 Alkyl Benzoate, Cetyl PEG/PPG-10/1 Dimethicone, Lauryl PEG-8 Dimethicone, Myrica Cerifera Fruit Wax, Ethylhexyl Methoxycrylene, Sodium Chloride, Glycerin, Phenoxyethanol, Caprylyl Glycol, Sodium Citrate
Key Ingredients
Benefits
Concerns
Ingredients Explained
Also known as Avobenzone, this ingredient is an oil-soluble used to absorb the full spectrum of UVA rays (peak 357 nm).
It's one of the most effective UVA filters available but has a major caveat of photostability: avobenzone is susceptible to photodegradation.
This means it can lose efficacy when exposed to sunlight without the help of a stabilizing agent.
Studies show antioxidants (like vitamin E or vitamin C) and some UV filters (like octocrylene and Tinosorb S) can meaningfully improve its stability in a formulation.
The maximum allowable concentration according to regulation is 3% in the US + Canada, and 5% in the EU, Australia, China, Korea, and ASEAN countries.
It has a well-support safety profile: a comprehensive 2025 review found minimal toxicity with no evidence of carcinogenicity.
Overall, avobenzone is a safe and regulated ingredient used in sunscreen for over 40 years.
Learn more about Butyl MethoxydibenzoylmethaneHomosalate is an oil-soluble organic UVB filter that has been a sunscreen staple for decades. Its job is to absorb UVB rays (280-315 nm) and protect your skin against sunburn,
This is one of the more photostable organic UV filters; it holds up pretty well under UV and a 2022 quantum-chemistry study found it stays stable in sunlight.
It's actually so reliable that formulators often pair it with shakier ingredients like oxybenzone and avobenzone. Formulators also use it to help dissolve the other UV filters into the oil phase.
One thing to keep in mind: "stable" isn't the same as "strong". On its own, homosalate is actually a pretty weak UV filter so it's better off as a helpful team player that helps boost overall SPF protection.
The safety picture is a bit nuanced but not scary.
This ingredient has a long track record of being gentle and regulators agree it isn't an irritant; EU's Scientific Committee on Consumer Safety found that homosalate is not considered a skin irritant and doesn't raise eye-irritation flags either.
There's talk about homosalate because your skin absorbs a little bit of it into your bloodstream. A 2020 FDA-backed study found homosalate showed up in people's blood levels at the level where the FDA decides to double check.
The EU's Scientific Committee on Consumer Safety (SCCS) also found small amounts in blood and breast milk. They estimated that about 5% of what you apply gets absorbed through the skin.
Due to the debate about whether it might mess with hormones, the SCCS recommended a maximum limit of 0.5% in most products of 7.3% in face creams/pump sprays.
One important thing to keep in mind: in the US, Homosalate is currently labeled "non-GRASE" by the FDA. This sounds alarming but really just means the FDA wants more data to confirm it's safe. It's not confidently saying this ingredient is harmful.
As of now, homosalate is still completely legal and widely used while that research gets done.
The current maximum limits are:
Learn more about HomosalateOctocrylene is an oil-soluble organic UV filter that mainly absorbs UVB and short wave UVA II light.
Its real superpower is teamwork: octocrylene is remarkably photostable and is most famous for stabilizing avobenzone (the workhorse UVA filter).
This ingredient is commonly used to enhance both UVB and UVA protection due to its unique property in stabilizing avobenzone. It also pulls double duty by boosting water resistance and giving formulas a smooth, spreadable feel.
The EU's Scientific Committee on Consumer Safety (SCCS) has deemed octocrylene to be safe as a UV-filter at concentrations up to 10% (capped at 9% in propellant sprays). The US also permits it up to 10%.
Two things worth knowing:
You'll usually see this ingredient used in concentrations between 2-10% (higher amounts when used as a stabilizer for avobenzone).
Learn more about OctocryleneWater. 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 WaterThis ingredient is a low-molecular weight gas using as a propellant in foams, sprays, and mousses.
It is not intended to interact with skin in a meaningful way as it evaporates almost immediately after dispensing and only leaving behind the actual product formula.
If it does somehow make it onto your skin, it is chemically inert and does not penetrate or get absorbed into skin. Safety assessments note that adverse skin reactions to this ingredient are uncommon.
Learn more about IsobutaneIsohexadecane is added to enhance texture, emulsify, and to help cleanse. It is an isoparrafin. It is a component of petrolatum.
Due to its large size, Isohexadecane is not absorbed by the skin. Instead, it sits on top and acts as an emollient. Emollients help keep your skin soft and smooth by trapping moisture within.
Isohexadecane is often used in products designed to help oily skin. It is lightweight and non-greasy while helping to moisturize. When mixed with silicones, it gives a product a silky feel.
Learn more about IsohexadecaneC12-15 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 BenzoateThis ingredient is a silicone-based emulsifer that helps the water and oil phases play nicely together.
It's pretty effective because one end of the molecule loves oil and the other one loves water.
Besides holding formulas together, it also leaves a silky and lightweight feel on skin without the greasiness. A manufacturer also claims it can help with the controlled release of active ingredients.
The CIR Expert Panel found this ingredient to not be sensitizing in concentrations up to 15% in human maximazation testing and dimethicone-based compounds were not comedogenic.
It has a high molecular weight well above 1,000 g/mol which means it limits meaningful skin penetration.
A 2019 study specifically tested this ingredient and found no observable Malassezia growth in its presence.
Learn more about Cetyl PEG/PPG-10/1 DimethiconeLauryl PEG-8 Dimethicone is a type of silicone.
We don't have a description for Myrica Cerifera Fruit Wax yet.
This ingredient is a photostabilizer and a chemical UV booster. It is marketed as an alternative to octocrylene.
You'll most likely find it in sunscreens to enhance stability and effectiveness of UV filters, antioxidants, and vitamin A derivatives. According to the manufacturer, this ingredient is better than octocrylene at stabilizing avobenzone.
Due to regulation loopholes, you'll likely see this ingredient in "100% mineral" sunscreens.
Learn more about Ethylhexyl MethoxycryleneChances 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 ChlorideGlycerin (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 GlycerinPhenoxyethanol is a preservative that has germicide, antimicrobial, and aromatic properties. Studies show that phenoxyethanol can prevent microbial growth. By itself, it has a scent that is similar to that of a rose.
It's often used in formulations along with Caprylyl Glycol to preserve the shelf life of products.
Caprylyl 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 GlycolSodium 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 CitrateReviews
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Where it's from
Banana Boat is a American brand
50 SPF Rating
With an SPF rating of 50, this product protects against 98.0% of UVB rays
We're dedicated to providing you with the most up-to-date and science-backed ingredient info out there.
The data we've presented on this page has been verified by a member of the SkinSort Team.
Read more about usยท Updated May 22, 2026 • Added by kaitm