Banana Chocolate Chip Muffin

Banana Chocolate Chip Muffin
⏱️ cook time 35 minutes
🍽️ servings 12
⚡ Difficulty easy

intro

Tender, domed muffins packed with sweet banana flavor and melty chocolate chips—an easy, crowd-pleasing baked treat perfect for sharing.

Ingredients

Ripe spotty bananas (peeled) 3 medium (≈300g, mashed)
All-purpose flour 190g (1.5 cups)
Semi-sweet chocolate chips 170g (1 cup)
Unsalted butter 57g (4 tbsp, melted and cooled)
Granulated sugar 100g (½ cup)
Packed light brown sugar 50g (¼ cup)
Large egg 1 unit (50g, room temperature)
Whole milk 80ml (⅓ cup, room temperature)
Baking soda 4g (1 tsp)
Baking powder 2g (½ tsp)
Pure vanilla extract 5ml (1 tsp)
Fine table salt 3g (½ tsp)

Steps

1

Preheat oven and prep tin

Adjust your oven rack to the middle position, preheat oven to 190°C (375°F). Line a 12-cup standard muffin tin with paper liners, or lightly grease each cup with non-stick cooking spray to prevent sticking.

Step 1
step1:Preheat oven and prep tin
2

Whisk dry ingredients

In a medium 2L mixing bowl, whisk together 190g all-purpose flour, 4g baking soda, 2g baking powder, and 3g fine table salt for 30 seconds until fully combined, with no visible clumps of leavening. Set the bowl aside.

Step 2
step2:Whisk dry ingredients
3

Mix wet ingredient base

In a large 3L mixing bowl, add 300g peeled ripe spotty bananas, mash completely with a fork until mostly smooth (a few small 1cm lumps are acceptable). Add 57g cooled melted unsalted butter, 100g granulated sugar, 50g packed light brown sugar, 1 room-temperature large egg, 80ml room-temperature whole milk, and 5ml pure vanilla extract. Stir with a wooden spoon for 1 minute until evenly combined, with no streaks of raw egg remaining.

Step 3
step3:Mix wet ingredient base
4

Fold batter and add chips

Pour the pre-mixed dry ingredient blend into the large bowl of wet ingredients. Use a flexible rubber spatula to fold the mixture together for 20-25 seconds, stopping as soon as no dry flour streaks remain (do not overmix, as this develops gluten and creates tough muffins). Fold in 130g (≈¾ cup) of the semi-sweet chocolate chips, reserving the remaining 40g (≈¼ cup) for topping.

Step 4
step4:Fold batter and add chips
5

Portion batter into tin

Use a 45ml (3-tablespoon) spring-loaded cookie scoop to portion the batter evenly into the prepared muffin tin, filling each paper liner exactly ⅔ full (do not overfill, as muffins will rise during baking and spill over the tin edges). Sprinkle the reserved 40g of chocolate chips evenly over the top of each portioned muffin for a decorative, melty top crust.

Step 5
step5:Portion batter into tin
6

Bake and cool muffins

Place the filled muffin tin on the preheated middle oven rack, bake for 18-22 minutes at 190°C (375°F). Test for doneness by inserting a wooden toothpick into the center of a middle muffin: it is done when the toothpick comes out with 1-2 moist crumbs attached, not raw wet batter. Remove the tin from the oven, let muffins rest in the tin for 5 minutes, then transfer to a wire cooling rack to cool for 10 minutes before serving.

Step 6
step6:Bake and cool muffins

Tips

1.Use very ripe, heavily spotted (even nearly all-black) bananas for the deepest, sweetest banana flavor; pale yellow, unripe bananas will produce bland, starchy muffins.
2.Do not overmix the batter: small lumps are completely normal, and over-stirring develops gluten in the flour that leads to dense, tough muffins instead of a light, tender crumb.
3.Store cooled muffins in an airtight container at room temperature for up to 3 days, or freeze individually wrapped for up to 3 months for quick, make-ahead treats.

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Banana Chocolate Chip Muffin:Frequently Asked Questions

1.Why do my banana chocolate chip muffins come out dry instead of tender and moist?
Dry muffins usually stem from three easy-to-fix missteps: overmixing the batter (which develops tough gluten and reduces moisture retention), overbaking, or using underripe bananas. Use heavily spotty, soft bananas for maximum natural moisture, mix only until dry ingredients just disappear, and pull muffins when a toothpick inserted in the center has 2-3 moist crumbs attached, not completely clean.
2.What’s the best way to store these muffins to keep them fresh and moist?
Let fully cooled muffins sit in an airtight container at room temperature for up to 3 days; tuck a single paper towel in the container to absorb excess condensation that can turn tops soggy. For longer storage, freeze individually wrapped muffins for up to 3 months, and thaw at room temp or reheat 15 seconds in the microwave for that just-baked, melty chocolate taste.
3.Why do my chocolate chips sink to the bottom of the muffins instead of staying evenly distributed?
Sinking chocolate chips are usually caused by overly thin batter or chips that are too heavy to stay suspended as the muffins bake. Toss ¾ of your semi-sweet chocolate chips in a light coating of all-purpose flour before folding them into the batter, and reserve the remaining ¼ to press on top of each muffin right before baking for even distribution and pretty, chip-studded tops.

Comments (16)

2 days ago

OMG these are SO good! I had three super spotty bananas sitting on my counter that I almost threw out and decided to give this recipe a shot. My kids devoured half the batch before they even fully cooled! Perfect amount of chocolate chips, not too sweet, and so moist they didn’t even need butter on top. Game changer for our weekly school snack prep!

yesterday

Same! I made mine with a handful of walnuts added too, chef’s kiss. My picky toddler asked for seconds immediately!

yesterday

So glad your family loved them! Adding walnuts is such a great crunchy swap, I’ll have to try that next batch myself.

3 days ago

Really solid muffin recipe! Cook time was spot on for my oven, came out super moist like the name says. Only note is I would add a tiny pinch of sea salt on top next time to cut the sweetness a little, but otherwise totally making these again for my office potluck next week.

2 days ago

Thanks for the great feedback! A flaky sea salt topping is one of my favorite little upgrades for these, it pairs perfectly with the chocolate and banana.

1 week ago

I’ve tried so many banana muffin recipes that come out dry and crumbly no matter what I do, and this one finally nailed the moist texture! I used dark chocolate chips instead of semi-sweet and it was *chef’s kiss*. Even my husband who swears he doesn’t like banana bread ate three in one sitting.

5 days ago

Taste was great, but my muffins stuck really bad to the paper liners even though I sprayed them a little. Did I do something wrong? Still ate every last one because the flavor was perfect, just messy!

3 days ago

I had that issue the first time too! Let them cool completely in the tin for 10 minutes before pulling them out, they slide right out of the liners after that. Also, if you skip the liners and grease the tin directly they pop out super easy!

2 days ago

Jenna’s tip is spot on! The muffins are so moist that they’ll stick a little if you try to unwrap them straight out of the oven, that resting time makes all the difference.

yesterday

Made these for my book club last night and everyone asked for the recipe! So easy to throw together, I didn’t even need to pull out my stand mixer. I added a little cinnamon like someone mentioned in an earlier comment and it was such a cozy touch.

2 hours ago

Love that these were a hit at book club! A dash of cinnamon is such a nice warm addition, I’m so glad you gave that a try.

2 hours ago

Just pulled these out of the oven and wow, my whole apartment smells amazing! I had zero ripe bananas so I used that trick where you bake bananas in the oven for 15 minutes to ripen them fast, worked like a charm. Can’t wait to dig in once they cool a little.

30 minutes ago

That oven-ripening banana trick is a total lifesaver for last minute muffin cravings! So glad that worked out for you, hope you love every bite.

2 weeks ago

Perfect easy recipe for meal prep! I make a batch every Sunday, wrap them individually, and grab one on my way out the door for work all week. They stay moist for days in an airtight container, no sad dry muffins by Wednesday like other recipes I’ve tried.

30 minutes ago

Quick question: can I make these with whole wheat flour instead of all purpose? Trying to use up what I have in the pantry before I run to the grocery store.

5 minutes ago

I did half whole wheat half all purpose last week and they turned out great! Didn’t notice a texture difference at all, just a little nuttier flavor. I wouldn’t do 100% whole wheat though, might make them dense.

just now

Sophie’s ratio is exactly what I recommend! 50/50 whole wheat and all purpose works beautifully, while 100% whole wheat can make the muffins a little too heavy. Happy baking!

3 days ago

My teen and his friends demolished an entire batch after soccer practice yesterday. I was worried the chocolate chips would be too much for their post-practice snack but they all said it was the best thing they’d eaten all week. Win for mom!

5 minutes ago

Just now mixing up the batter! I added a scoop of peanut butter chips along with the chocolate because peanut butter and banana is my all time favorite combo. Will report back but this already smells incredible.

just now

Peanut butter chips are such a dream pairing with banana! I have no doubt those will turn out absolutely delicious, can’t wait to hear how you like them.

1 week ago

Game changer! I always thought muffins from the bakery were better than homemade but these are 100% better. So moist, so much banana flavor, not greasy at all like some recipes.

5 days ago

Right?! I stopped buying bakery muffins after making these, they’re cheaper and taste way fresher. I even make mini versions for my kid’s lunchbox, they’re the perfect size.

3 days ago

That makes my day to hear! Homemade really does hit different, and mini muffins are such a great lunchbox hack for kids, love that idea.

2 weeks ago

Really easy to follow recipe even for someone who barely bakes like me. I overbaked mine by 3 minutes because my oven runs hot but they were still pretty moist, which is a miracle. Next time I’ll set the timer 5 minutes early to be safe.

yesterday

Made these for a neighborhood potluck and they were the first dessert gone! Multiple neighbors came up to ask for the link to the recipe, I felt like a professional baker lol. The extra banana tip to use really spotty ones is no joke, it makes the flavor so much better.

2 hours ago

Nothing feels better than being the person who brought the most popular dish to the potluck! Super spotty bananas are key for that sweet, intense banana flavor, so glad that tip worked out for you.

2 days ago

I’m a college student with basically zero kitchen equipment and I pulled these off with just a bowl, a fork, and a muffin tin. So cheap to make too, way better than spending $4 a muffin at the campus coffee shop. Will be making these on repeat all semester.

2 hours ago

These freeze SO well! I made a double batch last month, popped half in the freezer, and just thawed one for 30 seconds in the microwave this morning and it tasted like it was fresh out of the oven. Perfect for busy mornings.

30 minutes ago

So glad you loved the freezer hack! I always keep a stash in my freezer for quick breakfasts too, they reheat perfectly every time.

1 week ago

Super yummy! I cut the sugar a tiny bit because my bananas were extra ripe and sweet, and it was perfect for us. The only thing is I wish the recipe made a couple more muffins, my batch only made 10 instead of 12, but that’s probably because I fill the tins a little too full lol.

5 days ago

Same! I always fill my muffin tins almost to the top to get those big domed tops, so I usually get 10 too. I just make a half batch of batter extra if I need 12 for an event, no big deal!

3 days ago

Adjusting the sugar for extra ripe bananas is such a smart move! And no worries about the yield—those big, domed, overstuffed muffins are the best kind, if you ask me.