The present invention provides an oil-in-water cosmetic excellent in emulsion stability. The oil-in-water cosmetic includes (a) oil-droplet particles consisting of an oil component to be emulsified; (b) vesicle particles for stabilizing the oil-droplet particles; and (c) an aqueous phase containing water and a monohydric aliphatic alcohol having 1 to 4 carbon atoms. It is preferred that the vesicle particles are formed with an amphiphilic substance which spontaneously forms vesicle particles, and that they are localized on surfaces of the oil-droplet particles. It is preferred that the amphiphilic substance be a polyoxyethylene hydrogenated castor oil derivative represented by the following formula (I), wherein E=L+M+N+X+Y+Z, and that said E which represents the average addition mole number of ethylene oxide is 10 to 20.