As a sunscreen filter, zinc oxide sits on the surface of the skin and stops ultraviolet light getting through — mostly by absorbing it and turning it into a small amount of heat, with some scattering as well. The old description of mineral sunscreen as a mirror that bounces light away is on a lot of packaging and it is out of date. Most of the work is absorption, which is what chemical filters do too. The real difference is that zinc stays on the surface rather than sinking in, and that it covers UVB and the whole UVA band, including long-wave UVA, which several common chemical filters cover poorly.
As a barrier, none of that matters. A thick zinc oxide paste is doing a purely physical job. It repels water, so urine, sweat, saliva and wound fluid run off rather than sitting on skin. It takes the friction that would otherwise land on raw skin. And it contains very few ingredients, which means very few things to react to — useful on skin that is already inflamed. It is mildly astringent and mildly antibacterial too, but the barrier is the main event.
Zinc oxide is one of the least reactive ingredients in dermatology. Most complaints about it are cosmetic rather than medical.
Almost no one has to avoid zinc oxide. It is not absorbed through intact skin in meaningful amounts, and it is the filter usually recommended in pregnancy, for infants over six months, and for the most reactive skin.
The genuine exclusions are narrow. Do not apply a barrier paste to a wound that is infected, or to skin that is warm, swollen and tender — that needs treating, not covering. Do not use paste on a deep or heavily weeping wound without direction, because it interferes with proper dressings. And avoid a product you have had a documented reaction to.
Babies under six months are a separate rule: shade and clothing first, sunscreen only on the small areas you cannot cover.
One more, practical rather than medical. If the only zinc sunscreen you own leaves your skin grey, you are not going to wear it. Switch to a tinted mineral sunscreen or a cosmetically acceptable chemical one rather than going without — the best sunscreen is the one that ends up on your face.
As a barrier, the timeline is short.
Within hours. Stinging and rawness ease as soon as urine, sweat or saliva stops reaching the skin. Comfort comes before the rash looks better.
Two to three days. Simple irritant nappy rash and mild intertrigo should be visibly improving. If they are not, the diagnosis is usually wrong — yeast is the usual answer, and it needs an antifungal underneath.
Seven days. A straightforward irritant rash should be clear. Anything still there at a week is worth having looked at.
As sunscreen there is no timeline in the usual sense. Protection starts on application and is gone within about two hours of sweating, swimming or towelling. What you are buying is prevention — less burning now, and less photoaging and pigmentation over years. Nothing about your skin will look different next week because you started wearing it.
For pigmentation specifically — melasma, dark marks after acne — a daily tinted zinc sunscreen is what stops the marks being re-darkened while whatever is fading them does its work. On its own it lightens nothing. You notice its absence rather than its presence.