Your questions about the best SPF moisturiser answered
What is the best SPF moisturiser?
Overall, Ultra Violette’s supreme screen was the best SPF moisturiser option for most skin types, with high UVA/UVB protection and a make-up compatible formula, all for a reasonable price point.
How I tested and selected the best SPF moisturisers
Over the course of two years, I have trialled each SPF moisturiser as the final step in my morning routine, wearing them for full days to assess how they performed under actual UV light, not just in front of my bathroom mirror. To build a clearer long-term picture, I first tested an initial batch of SPF moisturisers in 2025, before revisiting the category in 2026 with a fresh wave of formulas.
I kept the rest of my skincare consistent where possible, and looked closely at texture, absorption, white cast and hydration (both immediate and throughout the day), as well as how each formula layered under make-up. Specifically, I paid attention to the following criteria
- Consistency and texture: I assessed how each formula felt upon application, including whether it was silky, heavy, runny or rich, plus how easy it was to spread across the face and neck.
- Absorption: I noted how quickly each moisturiser sank in, and whether it left behind residue, tackiness or a greasy film.
- Hydration levels: I monitored both immediate moisture and how my skin felt by midday and evening, noting any tightness or dehydration.
- White cast: I checked for any visible residue upon application and how easily the formula blended into the skin.
- Layering under make-up: I observed whether formulas pilled, caused foundation separation or contributed to excess shine throughout the day.
- Wear time: Each product was worn for at least eight hours to assess longevity, comfort and finish as the day progressed.
- Product efficiency: I considered how much product was needed per use and how far each bottle stretched over time.
- Ingredients and SPF credentials: I reviewed key ingredients alongside SPF ratings, factoring in suitability for different skin types.
- Value for money: I weighed performance against price to determine which formulas were worth the spend.
- Long-term desirability: Across 2025 and 2026, I tracked which products remained in my routine over time. Some, like Ultra Violette’s supreme screen, proved lasting favourites, while others felt outpaced by newer launches.
Do SPF moisturisers provide adequate sun protection?
I spoke to dermatologist Dr Milena Al Mansuri to discuss the ins and outs of SPF moisturisers. Dr Mansuri has been a medical doctor for nearly a decade after graduating in 2016 and now runs her own aesthetics clinic, Milena Aesthetic, in Dubai.
“Moisturising creams with SPF are an essential part of daily skincare,” assures Dr Mansuri, who adds that these types of formulas “combine hydration with protection against harmful UV radiation”. That said, she caveats that an SPF moisturiser won’t provide as much UVA/UVB protection as a standalone SPF, and suggests that those who “spend a lot of time outdoors should reapply [their SPF moisturiser] every two hours.”
How often should you apply an SPF moisturiser?
“SPF moisturisers should be applied every morning, at least 15-30 minutes before going outside,” reveals Dr Mansuri. “Even on cloudy days,” she adds, “UV rays can damage your skin, so daily use of SPF is crucial year-round.”
What ingredients make a good SPF moisturiser?
Alongside a mineral or chemical sun-blocking filter, Dr Mansuri suggests “hydrating ingredients like hyaluronic acid, glycerin and ceramides to maintain skin moisture.”
For those with sensitive skin, she suggests avoiding potential irritants like fragrance and alcohol.
What’s the difference between mineral and chemical SPF?
The answer is surprisingly simple, according to Dr Mansuri, who breaks down the two SPF types:
● “Mineral (physical) sunscreens, such as zinc oxide and titanium dioxide, create a barrier on the skin’s surface that reflects UV rays,” she says, adding that they’re immediately effective and less irritating to those with sensitive skin types.
● Meanwhile, “Chemical sunscreens, including avobenzone, octinoxate, and oxybenzone, absorb into the skin and convert UV rays into heat.” Dr Mansuri elaborates to tell me that “they usually have a lighter texture and don’t leave residue, but they may irritate sensitive skin.” Finally, chemical sunscreens need to be applied to the skin between 15 and 30 minutes ahead of sun exposure.
Why you can trust IndyBest reviews
As someone who’s worked in the beauty – and more specifically, skincare – industry for more than six years, senior shopping writer Lucy Smith has watched the tide turn on SPFs. Years ago, brands and influencers were promoting ‘SPFs for tanning.’ This focus has completely flipped and now the advice is to apply a daily dose of facial sunscreen. As such, she’s covered a swathe of different formulas for IndyBest, from Korean SPFs to The Ordinary’s SPF, and has spoken to experts – such as Zelens founder Dr. Marko Lens – about the amount of SPF to use daily. As for the moisturiser aspect, she reviewed 18 of the best moisturisers for oily skin, so she knows all the latest and greatest brands for hydration, nourishment and that all-important skin glow.
Looking for more recommendations? For a healthy glow, check out our guide to the best gradual tans
