Abstract: In order to prepare a UV protective agent for topical application to the skin or hair with very high UV filter substance concentration and with good adhesion to the skin and hair, according to the invention the UV protective agent is proposed with at least one UV filter substance, which is encapsulated in a vesicular carrier system, in which the UV protective agent is characterized by the fact that the at least one UV filter substance encapsulated in the vesicular carrier system is lipophilic and the vesicular carrier system consists of vesicles constructed from hydrophobized polysaccharides and having a particle size from 10 to 1000 nm, as well as a positive surface charge with a zeta potential in the range from 1 to 150 mV by means of the charge donors contained therein. In addition, use of such a UV protective agent in corresponding cosmetic and/or pharmaceutical formulations is proposed.