Filed Under: Breakfast | Muffin

Banana Chocolate Chip Muffins

By Tessa Arias
January 11th, 2022
4.85 from 13 votes
4.85 from 13 votes

Tall and fluffy, these Banana Chocolate Chip Muffins are loaded with sweet banana flavor and tons of gooey chocolate chips. They’re ultra moist without being too dense or claggy and make for the perfect breakfast treat or sweet snack!

Yield: 12 large muffins

Prep Time: 15 minutes

Cook: 15 minutes

Tessa's Recipe Rundown...

Taste: Loaded with banana flavor and the perfect amount of chocolate chips. Texture: Perfectly fluffy, moist, and tender with chocolate chips studded throughout. Ease: SO easy to make. Ready in 30 minutes from start to finish! Pros: The whole family will gobble up these muffins. Cons: Absolutely none. Would I make this again? Absolutely, these Banana Chocolate Chip Muffins are perfect for a quick grab-and-go breakfast recipe or even impressing at a family brunch gathering.

The best thing about banana muffins is they can be made so many different ways.

They’re tasty as plain banana muffins. They’re as delicious as banana nut muffins.

But today, these Banana Chocolate Chip Muffins will satisfy whenever that chocolate + banana flavor combo craving hits.

homemade banana muffins batter

I’ve shared all my sweet tips for making the BEST Banana Chocolate Chip Muffins below.

Enjoy one of these banana muffins with a cup of coffee to start your day off with a delicious start.

How to Make Banana Chocolate Chip Muffins

Ingredients for Banana Chocolate Chip Muffins:

  • Bread flour – Although bread flour does work best in this recipe, you can also use all-purpose flour instead. If you’ve got it, opt for King Arthur All-Purpose Flour, which has a higher protein content.
  • Baking powder and baking soda Learn more about baking soda vs. baking powder here!
  • Fine salt – to balance out the sweetness.
  • Ground cinnamon and nutmeg
  • Bananas – the star ingredient! Make sure your bananas are very ripe – more details on this below.
  • Granulated sugar
  • Light brown sugar
  • Unsalted butter
  • Vegetable or canola oil
  • Eggs
  • Vanilla extract
  • Semisweet chocolate chips – You could also use milk, dark, or white chocolate chips if you prefer.
  • Coarse sugar, for garnish if desired

How ripe should bananas be for muffins?

Be sure to use overripe bananas for these muffins. The best bananas for baking should be very well speckled or even nearly black. This is important when baking Banana Bread, muffins, cake, or cupcakes!

Overripe bananas are actually significantly sweeter and will contribute more banana flavor AND more moisture to the recipe.

If you use underripe bananas (and when I say ‘underripe,’ I mean for baking specifically!), your muffins will be bland and dry.

comparison of ripe bananas for how to tell when bananas are ripe enough for baking muffins or bread

Do I need to adjust this recipe for high-altitude baking?

Reduce baking powder to 2 teaspoons if you are at high altitude. You may need to adjust more or less depending on your altitude.

How do I bake TALL banana chocolate chip muffins?

Tall muffin tip #1: Use bread flour!

Bread flour has a higher level of protein content than all-purpose flour. That extra protein will allow the flour to absorb more moisture and add more structure. The result? Extra tall muffins that are still super moist and tender!

Tall muffin tip #2: Bake at a high temperature!

In this recipe, we bake at a high temperature for 425°F the entire time to get tall, beautiful muffins.

You may have seen techniques that call for an initial burst of heat and then require you to drop the temperature down. I personally don’t love this method because all it takes is one time when you forget to lower the temperature, resulting in scorched muffins.

Tall muffin tip #3: Fill your muffin cavities 3/4 full with batter!

For tall muffins that have a bit of a muffin top, it’s essential to fill each cavity of your muffin pan pretty full with batter. For this recipe, I find that filling each cavity 3/4 full using a standard 12-cup muffin tin works beautifully.

However, if you want slightly smaller muffins or have a muffin pan with smaller cavities (each bakeware brand is different!), then feel free to fill the cavities 2/3 full. You’ll just need to fill 15 cavities across two pans.

Check out all my tips for baking tall muffins here.

How long to bake banana chocolate chip muffins:

This recipe was designed to bake at a higher temperature for a shorter period of time, just 14 to 15 minutes. Those overripe bananas help to keep the muffins moist instead of drying out in the hot oven.

How to avoid overbaking muffins:

Don’t use a dark colored nonstick pan when baking muffins. It simply conducts heat too aggressively and can lead to burnt bottoms or dry edges. My favorite pan for muffin baking is either this Wilton or this USA Pan.

How do I make moist banana chocolate chip muffins?

Follow the tips above for using overripe bananas for the best guarantee of moist muffins!

Use a combination of oil AND butter!

This is the second best bet. Use some oil for the sensation of moisture on the palate. This happens because oil is liquid at room temperature. It’s also my preference to use some melted butter so you get that beautiful distinct taste that only butter provides. This way, you get moistness and flavor!

Does an overnight rest of the batter work for this recipe?

I wouldn’t particularly recommend an overnight batter rest for this recipe.

If you’ve followed me for a little while, you may have seen my overnight muffin batter fridge trick. Basically, for muffin recipes that use baking powder, if you cover the batter and allow it to rest overnight in the fridge, then the muffins will bake up extra tall and tender the next day. Check out my full article on How to Bake Tall Bakery Style Muffins here.

However, this banana nut muffin recipe is a little different. It uses both baking powder and baking soda. Baking powder is double acting so it activates upon being mixed with liquid and when it hits the heat of the oven. Baking soda only acts upon being mixed with something acidic (like brown sugar). The baking soda in the batter will lose strength the longer it sits before being baked.

You can chill this batter in the fridge if you’d like to get a jump start on breakfast or brunch the night before. You’ll likely lose a little browning on the muffins while they bake. If you’re curious about learning more about baking soda vs. baking powder, click here!

How to store muffins:

Muffins can be stored in an airtight container for up to 3 days.

Can you freeze muffins?

Place cooled muffins on a baking sheet and freeze until solid. Remove them to an airtight container and freeze for up to 3 months. You can reheat in the microwave directly from the freezer (about 15 to 20 seconds) or thaw overnight in the fridge and reheat in the oven.

More Muffin Recipes You’ll Love:

4.85 from 13 votes

How to make
Banana Chocolate Chip Muffins

Yield: 12 large muffins
Prep Time: 15 minutes
Cook Time: 15 minutes
Total Time: 30 minutes
Tall and fluffy, these Banana Chocolate Chip Muffins are loaded with sweet banana flavor and tons of gooey chocolate chips. They’re ultra moist without being too dense or claggy and make for the perfect breakfast treat or sweet snack!


  • 1 1/2 cups plus 2 tablespoons (205 grams) bread flour
  • 1 tablespoon baking powder*
  • 1/2 teaspoons baking soda
  • 1/2 teaspoon fine salt
  • 3/4 teaspoon ground cinnamon, optional
  • 1/4 teaspoon ground nutmeg, optional
  • 1 1/2 cups (354 grams) mashed, very ripe bananas (about 3 large bananas)**
  • 1/2 cup (100 grams) granulated sugar
  • 1/4 cup (50 grams) light brown sugar
  • 2 tablespoons (28 grams) unsalted butter, melted and cooled
  • 1/4 cup (50 grams) vegetable or canola oil
  • 2 large eggs
  • 1 teaspoon vanilla extract
  • 1 cup (170 grams) semisweet chocolate chips
  • Coarse sugar, for garnish if desired


  1. Preheat the oven to 425°F. Position an oven rack to the middle or upper middle position. Line a standard muffin tin with paper liners.
  2. In a large bowl whisk together the flour, baking powder, baking soda, salt, and spices if using.
  3. In a medium bowl, whisk together the bananas, sugars, butter, oil, eggs, and vanilla until well combined. Pour into the dry ingredients and stir until just barely combined. Stir in the chocolate chips.
  4. Divide evenly among the muffin tin cups, filling each 3/4 full for large muffins. You can also make about 15 smaller muffins by filling the cavities of two pans just 2/3 full. Sprinkle each with a generous amount of coarse sugar for a crunchy shiny topping, if desired.
  5. Bake until golden brown and a toothpick inserted in the center comes out clean, about 14 to 15 minutes. Let cool in muffin pan for 5 to 10 minutes before removing to wire rack. Serve warm or at room temperature.
  6. Store in an airtight container for up to 3 days.

Recipe Video

Recipe Notes

*Reduce baking powder to 2 teaspoons if at high altitude.
**Be sure to use very ripe bananas that are deeply spotted and almost black for moist and flavorful muffins. 
Course : Breakfast
Cuisine : American
Keyword : banana chocolate chip muffins, banana muffins

Photos by Ashley McLaughlin.

Tessa Arias
Author: Tessa Arias

I share trusted baking recipes your friends will LOVE alongside insights into the science of sweets. I'm a professionally trained chef, cookbook author, and cookie queen. I love to write about all things sweet, carb-y, and homemade. I live in Phoenix, Arizona (hence the blog name!)

Tessa Arias

About Tessa...

I share trusted baking recipes your friends will LOVE alongside insights into the science of sweets. I'm a professionally trained chef, cookbook author, and cookie queen. I love to write about all things sweet, carb-y, and homemade. I live in Phoenix, Arizona (hence the blog name!)

Find Tessa on  

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Recipe Rating

  1. #
    Tracey B — October 6, 2022 at 2:32 am

    I was looking for the perfect recipe…found it! Thanks Tessa

  2. #
    Debi — September 21, 2022 at 5:01 pm

    I made these for my family and they really enjoyed them . I was wondering if I can make this recipe into banana bread.

  3. #
    Grace — August 23, 2022 at 12:46 pm

    I want to add walnuts to these, should I alter the bake time?

    • #
      Kiersten @ Handle the Heat — August 24, 2022 at 7:30 am

      Hi Grace! No extra baking time needed, but I would recommend removing some of the chocolate chips, so the muffins don’t get too overwhelmed with mix-ins! You want to keep the balance of muffin-to-mix-in still around the same 🙂 happy baking!

  4. #
    Ammaarah — August 6, 2022 at 4:34 am

    I made these yesterday and they are great! Soft and moist with a delicious flavour, and SO quick and easy to make. I used cake flour, all white sugar and replaced the choc chips with chocolate chunks. 5 stars <333

    • #
      Ammaarah — August 6, 2022 at 4:37 am

      woahh I just realised now the recipe calls for 1 tablespoon baking powder and I put 1/2 teaspoon!!

      • #
        Kiersten @ Handle the Heat — August 8, 2022 at 1:15 pm

        I’m glad you enjoyed the muffins anyway! Next time, try the full amount – you’ll probably be shocked at how tall the muffins get!! 🙂

    • #
      Kiersten @ Handle the Heat — August 8, 2022 at 1:14 pm

      So glad to hear that you enjoyed these muffins so much, Ammaarah!

  5. #
    Kelly — June 13, 2022 at 10:08 am

    These are delicious! I made them a few days ago and just went to have the last one- it is still just as moist and delicious as the first day. Thanks, Tessa!

    • #
      Kiersten @ Handle the Heat — June 13, 2022 at 2:20 pm

      Hooray – so wonderful to hear that, Kelly!! 🙂

  6. #
    Michelle — June 8, 2022 at 3:24 pm

    Really delicious! I made into mini muffins and baked for 10 minutes and they were perfect.

    • #
      Kiersten @ Handle the Heat — June 9, 2022 at 7:28 am

      So wonderful to hear that, Michelle!!

  7. #
    Chelsey — May 24, 2022 at 11:26 am

    Another awesome recipe from HtH! These muffins have such great flavour from the butter but are still so moist from the oil. Super soft too! I’ve tried maybe a dozen different banana muffin recipes and these are the best!

    • #
      Kiersten @ Handle the Heat — May 25, 2022 at 7:14 am

      So thrilled to hear that, Chelsey!! 🙂

  8. #
    liz — April 25, 2022 at 5:33 pm

    I’ve tried this recipe twice and really like it. These muffins are wonderful for breakfast or any time of day snack. My only concern is that they don’t finish cooking by 15 minutes at 425. Any suggestions when using silicone muffin cups?

    • #
      Emily — April 26, 2022 at 8:48 am

      Hi Liz! We haven’t tried baking these in silicone muffin cups, so I can’t say for sure!

    • #
      Anne — August 21, 2022 at 7:28 am

      My son and I have made these twice, and they taste really good. Except… each time we made them there were odd bites here and there that were very sour/bitter. It seems based on my googling that it might have something to do with the baking soda. I was wondering if you had any insight on that. The second time we made them I made sure to mix the dry ingredients super well and triple checked my measurements. I bake quite a bit and have never had such an issue. What could we be doing wrong?

      • #
        Kiersten @ Handle the Heat — August 22, 2022 at 12:13 pm

        Hi Anne! Hmm, that is strange! Sometimes, if you can really taste the baking soda, it means that there wasn’t enough acid in the other ingredients to fully activate it, and neutralize it, and you have unreacted baking soda left in the food. Are the bananas you’re using super brown? If your bananas are too fresh, they might not be contributing enough acid to the batter to neutralize the baking soda. The brown sugar should also be assisting in this, but perhaps it’s not enough if the bananas are not overripe enough. Alternatively, if your baking soda is a bit older or you live in a humid climate, it might be clumping together (you would be able to see little clumps when you open the container). What you might be tasting is just tiny little clumps of baking soda that was not mixed in – no matter how much you mixed! (and you definitely don’t want to overmix!!) I recommend measuring out the baking soda and pushing it through a very fine sieve, as you mix it into the dry ingredients, and then gently fold those into the wet ingredients. You can also try decreasing the baking soda to 1/4 teaspoon, but just be aware, your muffins won’t be as light or tall as a result! I hope something here helps!! Good luck and happy baking 🙂

  9. #
    Rory — March 21, 2022 at 5:09 pm

    Hi Tessa! Can I replace bread flour with all purpose flour? Will it affect the recipe outcome? Tia 🙂

    • #
      Emily — March 22, 2022 at 9:17 am

      Hi Tia! Tessa actually states in the pink tip box above the recipe that AP flour can be used instead 🙂 It will affect the muffins texture a bit, so if you can, try using King Arthur AP flour as it has a higher protein content. Let us know what you think of this recipe when you give it a try!

  10. #
    Sandra — February 25, 2022 at 5:09 pm

    I have frozen ripe bananas. Will I get the same results once the bananas have thawed out? I love all your recipes! They are always a huge hit!

    • #
      Emily — February 28, 2022 at 9:59 am

      Hi Sandra! You can use frozen bananas – just thaw them out, drain the extra moisture, and they’ll be perfect 🙂 Enjoy your muffins!

  11. #
    Erica Holm — February 3, 2022 at 5:47 pm

    I love banana chocolate chip muffins and these are the best I’ve ever had! They’re incredibly moist, super easy to make, and so good. Add the coarse sugar to the top, it’s definitely worth it. I’ll be making these again and again!

  12. #
    Nikki — February 2, 2022 at 9:46 am

    This was sooo good! Moist and fluffy with just the right amount of sweetness. Will definitely make again. 🙂

  13. #
    Steph Peterson — January 29, 2022 at 5:31 am

    Can I chill this batter over night and then bake it? Thank you for all these trusted (and delicious:) recipes!

    • #
      Emily — February 1, 2022 at 9:23 am

      Hi Steph! Great question, we actually don’t recommend it. I just added your question and more details to the pink box above the recipe! Enjoy your muffins 🙂

  14. #
    Carla — January 20, 2022 at 12:35 pm

    Delicious! No doubt they would be. All of your muffin recipes have always turned out amazing. Perfect balance of flavours in these and a beautiful rise too.

    • #
      Emily — January 21, 2022 at 9:28 am

      Wonderful! So glad you loved these muffins!

  15. #
    Karen — January 17, 2022 at 8:07 am

    Another brilliant recipe that delivers as promised. Handle the Heat is my go to site for all things baking.

    • #
      Emily — January 18, 2022 at 11:21 am

      Aw yay! So happy to hear that, thanks so much!

  16. #
    Jenn — January 16, 2022 at 1:55 pm

    These are delicious and exactly as the recipe states: light and fluffy and full full of banana flavour! I chopped up dark chocolate and used that in place of the chips and it was yummy!

    • #
      Emily — January 18, 2022 at 10:32 am

      Wonderful! So happy you loved this recipe 🙂

  17. #
    Lori — January 11, 2022 at 4:13 pm

    Hello! I have bananas to use and these look perfect!! Can I exchange the bread flour for whole wheat flour? Or a mixture of whole wheat & all purpose? Would love to try these! Thank you and love your recipes!!

    • #
      Emily — January 12, 2022 at 11:19 am

      Hi Lori! We haven’t tried that! Please let us know how it goes if you do 🙂

  18. #
    Ani Mishra — January 11, 2022 at 9:10 am

    Any Egg substitute? You can suggest for the recipe?

    • #
      Emily — January 11, 2022 at 10:22 am

      Sorry, we don’t bake egg-free recipes, so I can’t say for sure!

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