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The best SPF moisturisers to keep skin bouncy as it ages

‘My skin is in the best condition ever after using this!’

By
VerifiedTested by Beauty and Grooming Testing Manager
best spf moisturisers

We love a multi-tasking skincare product. They save us time, money and space in our holiday carry-ons.

However, for years, we’ve been telling you that a combined moisturiser and SPF isn’t as effective as a standalone SPF created specifically for the job. Well, the good news is that the technology has been advancing, and brands are attempting to create the perfect one-stop-shop cream that not only instantly hydrates, but prevents sun damage and slows down skin ageing, too.

Enter the best SPF moisturisers, which we’ve been busy testing in the Good Housekeeping Institute lab. They're made for those mornings when you don’t have time for your full routine, you’re running out the door on the school run after a missed alarm, or you’re rushing to an appointment you forgot to put in your calendar – if you grab one product to prepare your skin for the day, make it one of our experts’ top-rated formulas.

That said, if you’re actively sunbathing or are sat in the sun’s rays on holiday, you will still need a dedicated sunscreen.

How we test SPF moisturisers

Note, we don’t test the sun protection factor of these products – we don’t want to send people out into the midday sun to see if their skin burns or not when exposed to UV. The SPF claims of the products on our list have all been independently verified by third party bodies, which is why the brands are able to include them on their packaging.

Instead, our experts assess each product's hydrating and pro-ageing properties in the Good Housekeeping Institute beauty lab. To do this, they measure the hydration of testers' skin immediately after application and again after a four-hour period, to determine how effective the formulas are at locking in moisture. Our beauty experts also analyse the ingredients and assess the packaging and feel of the products.

We also send each moisturiser out to a panel of testers who feed back on how they feel, how long the hydrating effects last, and whether they've seen any improvement in the texture and tone of their skin. You'll find our winners marked with the GHI Approved logo below.

We've also included some editors' picks – newer releases that we haven't had the chance to test in the lab yet, but have been used on repeat and loved by our beauty editors.

These are the hottest SPF moisturisers on the market right now.

Best SPF moisturiser

Eve Lom Daily Protection SPF50

UK Approved(Esquire,Red,HB,GH,Country Living,Prima)
Daily Protection SPF50

Score: 83/100

This UV ray-fighting formulation scored almost full marks for skin hydration in our lab, with every panellist who tried it corroborating its moisture-locking abilities, saying their faces felt hydrated all day after adding this step to their morning routines.

“It provided moisture that lasted until I cleansed my makeup off every night – other moisturisers with added SPF I’ve tried have made my skin dry,” one person told us, while another added: “Using this has meant my skin is genuinely in the best condition it’s ever been, hydration-wise.”

Many noted less redness after time spent in the sun than they would usually experience, even without reapplying (although this is not advised). They loved the light, non-greasy feel and found it didn’t look shiny once it sank into skin. One person thought their makeup had a little less staying power when they wore this under it, but that’s what the best setting sprays are for, right?

Best SPF moisturiser for hyperpigmentation

Medik8 Daily Radiance Vitamin C SPF 30 Two-in-One Moisturiser

UK Approved(Esquire,Red,HB,GH,Country Living,Prima)
Daily Radiance Vitamin C SPF 30 Two-in-One Moisturiser

Score: 78/100

Medik8 is one of our beauty team’s favourite skincare brands, but it’s not just the retinols and potent actives that pack a punch. For days when you haven’t got time to layer up multiple skincare products, or you just want a grab-and-go cream to throw in your bag for all occasions, reach for this vitamin C SPF 30 moisturiser.

Our panellists said it improved the look and feel of their skin, with one telling us it made them look “more radiant and glow-y” in an instant. Testers also raved about the fresh, citrus scent and said it melted into their skin quickly and didn’t have a greasy residue, instead leaving their complexion soft and supple.

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Best value SPF moisturiser

CeraVe AM Facial Moisturising Lotion SPF50

UK Approved(Esquire,Red,HB,GH,Country Living,Prima)
AM Facial Moisturising Lotion SPF50

Score: 76/100

With a reputation for great value formulations that truly make a difference to skin, we weren’t surprised to see CeraVe on our top-rated list. Purposefully and thoughtfully designed to work for both dry and oily skin types, this formula can help you transition you from periods of excess oil to more dull and dry days as your skin matures, without the need to swap it out as your skin changes.

It's packed with ceramides to strengthen that all-important skin barrier and ensure all that hydration gets locked in. Testers said they would continue using it after the trial period, telling us it sunk in easily, didn’t pill under makeup and left no white cast. Plus, it’s kind on purses.

Best for pollution protection

Elizabeth Arden PREVAGE® City Smart Broad Spectrum SPF 50 Hydrating Shield

UK Approved(Esquire,Red,HB,GH,Country Living,Prima)
PREVAGE® City Smart Broad Spectrum SPF 50 Hydrating Shield

Score: 74/100

Elizabeth Arden is home to some of the most iconic beauty products on the market (hello, Eight Hour Cream). Claiming to protect against pollution as well as UV – it’s literally named ‘city smart’ – this SPF 50 moisturiser is great for urban dwellers desperate to protect their faces against external aggressors and slow down the skin ageing process.

Our panellists said it was lightweight and fast absorbing, “with a lovely creamy (but not overly greasy) texture,” according to one. “It gave skin a slight natural tint, without leaving any streaks,” another person told us. Although it scored well for hydration in our lab tests, some of our panellists with dry patches said they’d expected their skin to feel more moisturised and had to use another cream on top – perhaps not one for those with really dry skin then.

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Best for use as a primer

Trinny London See The Light

UK Approved(Esquire,Red,HB,GH,Country Living,Prima)
See The Light

Score: 72/100

More than just its adorable lilac packaging, Trinny London’s See The Light claims to reverse the signs of visible ageing. Developed in Korea – like many of the most efficacious formulations – it acts like a primer, allowing makeup to sit on top comfortably, without budging. One panellist told us, “I felt like my makeup had a lovely base and it went on more smoothly than normal.”

Some grumbled about the fragrance. “I didn’t like the smell personally, but I think some people would like it,” said one panellist. But almost everyone told us their skin felt smoother and softer to the touch after using the product, and many said they noticed the potency of the sun protection factor – “I would normally get a red nose from being in the sun, but with just one application of this in the morning I managed to avoid any immediate signs of damage,” said one pleased tester.

Editors' picks

best spf moisturisers
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Skin + Me Daily Moisturiser with SPF50 for dry/mature skin

UK Approved(Esquire,Red,HB,GH,Country Living,Prima)
Daily Moisturiser with SPF50 for dry/mature skin

Although we do advise you opt for SPF 50 on your face every day, the newer SPF moisturisers to the market have really upped their efforts in the development stage to offer both reliable protection from the sun, as well as all the healthy hydration you want from a day cream. Unsurprisingly ­– from the brand that put personalised skincare on the map – Skin + Me is one of the first to do just that.

The brand’s team of savvy scientists have worked out the average human face size and made sure exactly the right amount of product – and most importantly SPF coverage – is dispensed for that surface area. In other words, you don’t need to second guess whether your application is generous enough.

Ultra Violette Supreme Screen Hydrating Facial Sunscreen

UK Approved(Esquire,Red,HB,GH,Country Living,Prima)
Supreme Screen Hydrating Facial Sunscreen

The Australians know what’s up when it comes to SPF, and Aussie brand Ultra Violette is particularly hot on protecting against UV rays – the clue’s in the name.

This one claims to be a primer, an SPF and a moisturiser, all in one. The GHI's beauty tester, Juliet Heaton, is a big fan. She says she can’t leave the house without one of these in her bag – she’s never found an SPF moisturiser that agrees with her skin until this one.

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best spf moisturisers

We asked Dr Jason Thomson, Skin + Me’s Head of Medical to answer our burning questions about SPF moisturisers.

Are SPF moisturisers as effective as standalone sunscreens?

“SPF moisturisers often fall short of dedicated sunscreens for two reasons: they aren’t required to meet strict broad-spectrum standards and are typically under-applied. Many users apply less than the recommended 2mg/cm², reducing protection significantly. For example, applying half the amount of SPF 50 only provides SPF 15 protection.

“While SPF moisturisers provide hydration, they rarely deliver full UVA and UVB coverage, especially when applied insufficiently. Studies show most consumers prefer lightweight formulas but often compromise protection. A true, full-spectrum SPF solution is essential, particularly for those concerned with proper skin defence.”


Can SPF moisturisers be used alone or should sunscreen be applied separately?

“SPF moisturisers that offer broad-spectrum protection can be used as the final step in your morning routine. However, they must be applied generously (2mg/cm²) for full protection. Ideal for daily use, they provide hydration and UV defence but may not be sufficient for extended sun exposure.

"If you’re outside all day or in water, choose a water-resistant sunscreen instead, as SPF moisturisers lack this feature. For best results, use SPF moisturisers as a base and reapply SPF 50 sunscreen every two hours when outdoors to ensure total coverage of your face, neck, and chest.”


What is the minimum SPF level for adequate protection?

“The official recommendation from the British Association of Dermatologists is to apply broad-spectrum sunscreen (which means it protects against UVA and UVB rays) with at least SPF 30. But remember, no SPF product is 100% effective.

“You should reapply your SPF around 15 to 30 minutes after sun exposure begins and if you exercise outdoors or swim and splash in water. Cover up and stay out of direct sunlight when the sun is at its most powerful (between 11am and 3pm).”

Is SPF moisturiser sufficient for indoor protection or for minimal outdoor exposure?

“UVA rays can penetrate glass, so indoors or outdoors, broad-spectrum SPF moisturisers can protect you, provided you apply enough to exposed skin. However, sunscreen effectiveness varies based on individual needs and skin type. For safety, the British Skin Foundation recommends using broad-spectrum SPF daily on all exposed areas.”


Do SPF moisturisers ensure proper skin coverage, including sensitive areas like eyelids?

“The skin around the eyes is the thinnest and most sensitive, so a dedicated eye SPF product or using sunglasses is often more appropriate for this area.”

Headshot of Florence Reeves-White
Florence Reeves-White
Senior Beauty Writer

Florence is our Senior Beauty Writer, specialising in expert-tested beauty and grooming reviews — from toothbrushes to the latest skincare launches. She’s committed to sharing recommendations for products that truly work and make people feel confident and healthy. Prior to this she was at Tropic Skincare, where she worked closely with biochemists in the lab, delving into the functions of each fresh, natural ingredient and conveying its efficacy to her audience in easy-to-digest terms. 

With over five years’ experience in beauty and health journalism, Florence has written for ELLE, Women’s Fitness, Sister Magazine, National Geographic Traveller and many more, with a strong sustainability angle thread through much of her work.

When she isn’t packing for a trip away, working out, eating out or reading up on retinol serums, you’ll probably find her experimenting with her film camera and building her portfolio of portraits. Florence’s photography can be found at florencereeves-white.com, her Instagram is @florencereeveswhite and her twitter is @floreadsnwrites

Headshot of Maria Kumar
Tested byMaria Kumar
Beauty and Grooming Testing Manager

Maria is our Beauty and Grooming Testing Manager, and since joining in mid-2022, she has managed the testing for mutiple categories including scalp scrubs, collagen supplements and retinol serums. In addition to her master's degree in chemical engineering and a diploma in cosmetic science, she recently received her MBA from the London College of Fashion, focusing on case studies within the beauty industry. Prior to joining the company, she worked within the global technical team at the Estee Lauder Companies for over six years, collaborating with the chemists and engineers to launch luxury beauty products at scale and to quality. She has also worked as a formulation scientist within the pharmaceutical industry and takes this evidence based approach into all her product testing. 

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