Water Bank Blue Hyaluronic Cream Moisturizer with Squalane

The base most products are built on. It carries the other ingredients and has no safety concern.

A humectant that draws water into the skin. One of the best-studied, best-tolerated ingredients in personal care.

A lightweight humectant and solvent similar in role to propylene glycol, used to carry actives and give lotions a lighter feel. CIR has reviewed it and considers it safe as used in cosmetics.

A stable, saturated version of squalene, a lipid the skin already produces, now usually sourced from olives or sugarcane instead of shark liver. It is very well tolerated across skin types and helps reinforce the skin barrier.

A light, fast-absorbing emollient that improves spreadability and gives a silky finish without grease. It is well tolerated and graded low concern in published assessments.

A plant-derived emulsifier made from glycerin, glucose, and stearic acid that helps blend oil and water phases. It is graded low concern in published cosmetic ingredient assessments and is well tolerated in both rinse-off and leave-on formulas.

A common emulsifier and texture-softener made from glycerin and stearic acid. CIR review of this class found no evidence of reproductive, carcinogenic, sensitizing, or phototoxic effects in the studies examined.

A multi-ester emollient created from pentaerythritol and ethylhexanoic acid. It provides silky texture and skin conditioning with no documented safety concerns at cosmetic concentrations.

A glycol used very widely in Korean and Western skincare as a lightweight humectant, solvent, and gentle preservative-booster, often in place of traditional preservatives. It has a low reported irritation rate at use levels and is graded low concern in published assessments.

A fatty alcohol used to soften skin and stabilize creams. Despite the name, it does not dry the skin.

A saturated fatty acid found in palm oil and naturally in the skin, used as an emollient to soften and condition skin. It is one of the most studied fatty acids and is well tolerated.

A naturally occurring fatty acid (also made in the body and found in many foods) used to thicken lotions and help stabilize cleansing bars. It is one of the most well-studied emollient ingredients and is not a meaningful irritant at cosmetic use levels.

A soothing humectant that helps skin and hair look conditioned. Very well tolerated.

A rheology modifier that thickens gels and serums while maintaining a lightweight, non-sticky feel. Provides suspension and stability in water-based formulas. Widely used and well tolerated.

A corn-derived solvent and humectant that has largely replaced propylene glycol in "clean" formulas; CIR reviewed the alkane diol group and found use concentrations up to about 40 percent in leave-on products like deodorant sticks with no meaningful irritation signal.

Xanthan gum is a microbial-fermentation-derived polysaccharide used to thicken and stabilize textures, similarly common in food. Cosmetic panel review of this and related microbial gums found them safe as used, with no meaningful irritation signal at typical concentrations.

A buffering agent used in tiny amounts to set a product's pH, most often alongside gel-forming polymers. It is graded low concern in published assessments at the levels used.

A glycerin derivative used as a skin conditioner and preservative booster, often paired with phenoxyethanol to allow lower total preservative levels. It has a low irritation and sensitization profile in safety reviews.

A chelating agent that binds trace metal ions to keep formulas stable and preservatives working properly. It is not a functional skincare "active" and only a very small amount is used, with minimal skin penetration expected.

A soothing, skin-conditioning compound (also found in comfrey root) commonly added to calm and hydrate irritated or sensitive skin. It has a long history of safe use with very low irritation potential.

A broken-down form of hyaluronic acid with smaller molecules intended to penetrate more deeply into the skin. It functions as a humectant and is well tolerated, with the same safety profile as standard hyaluronic acid.

A lab-made version of a lipid naturally found in the outer skin barrier. It is added to creams and cleansers to help replace lipids that washing can strip away, and it is not linked to irritation or safety concerns.

An undisclosed scent blend that can contain dozens of components. The single most common cause of cosmetic contact allergy, and the blend is not itemized, so you cannot see what is in it.

A polysaccharide extracted from yeast cell walls or oat bran. Used for hydration and skin conditioning, beta-glucan is well tolerated with emerging evidence for supporting skin barrier function. No safety concerns flagged in cosmetic use.

A waxy sterol found naturally in skin and used in cosmetics as an emollient and emulsifier. It supports the skin barrier and is well tolerated across skin types.

A polyol (sugar alcohol) that attracts water to the skin. Like sorbitol and glycerin, it is well tolerated in skincare formulas. It is commonly used to boost hydration without the stickiness of other humectants.

An antioxidant that helps protect a formula and condition skin. Well tolerated.