Magnetite nanoparticles (MNPs) are attractive nanomaterials for applications in magnetic resonance imaging, targeted drug delivery, and anticancer therapy due to their unique properties such as nontoxicity, wide chemical affinity, and intrinsic superparamagnetism. Their functionalization with polymers such as chitosan or poly(vinyl alcohol) (PVA) can not only improve their biocompatibility and biodegradability but it also plays an important role in their interactions with biological cells. In this work, the effect of the functionalization of MNPs with chitosan, PVA, and their blend on model cell membranes formed from 1,2-dipalmitoyl-sn-glycerol-3-phosphocholine (DPPC) using a Langmuir technique was studied. The studies performed showed that the type of biocompatible polymer in the MNP shell plays a crucial role in the effectiveness of its adsorption process into the model cell membrane. Modification of MNPs with chitosan facilitates significantly more effective adsorption than coating them with PVA or with a chitosan and PVA blend. The presence of all the investigated MNPs in the DPPC monolayer at low concentrations does not affect its thermodynamic state, fluidity, or morphology, which is promising in terms of their biocompatibility. On the other hand, their high concentration (molar fraction above ≈0.05) exerts a disruptive effect on the model cell membrane and results in their aggregation, leading probably to the loss of their superparamagnetic properties essential for nanomedicine.
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