The Best Banana Bread Recipe with Chocolate Chips

This banana bread recipe with chocolate chips was created for people who want a loaf that is deeply flavorful, perfectly moist, and packed with real chocolate—not dry crumbs or overly sweet cake. The combination of ripe bananas, eggs, butter, oil, and warm cinnamon produces a balanced texture: soft in the middle, lightly golden on top, and satisfying in every slice.

Unlike many recipes that rely on shortcuts, this version focuses on structure and moisture, making it ideal for both everyday baking and special occasions.

What Makes This Banana Bread Recipe with Chocolate Chips Different

This recipe stands out because it is built around texture control and ingredient balance rather than excess sugar or fat.

Key reasons it works so well:

• A mix of butter and oil gives richness without heaviness
  
• Three eggs provide structure and lift
  
• Chocolate chunks melt into the bread instead of drying out
  
• Hazelnuts add contrast and depth
  
• Both baking soda and baking powder ensure even rise
  

The result is a banana bread that slices cleanly, stays moist for days, and tastes homemade—not processed.

Ingredients for Banana Bread Recipe with Chocolate Chips

• 2 large ripe bananas (or 3 medium), mashed
  
• 50 g sugar
  
• 3 medium eggs, at room temperature
  
• 80 g butter, melted and cooled
  
• 70 ml oil (olive oil or neutral oil)
  
• 1 teaspoon cinnamon
  
• 80 g chopped hazelnuts
  
• 100 g chopped chocolate mixed into the batter
  
• About 50 g chopped chocolate for topping
  
• 350 g all-purpose flour
  
• 5 g baking soda
  
• 7 g baking powder
  

Important note: Bananas should be very ripe. The darker the peel, the better the flavor.

How to Make Banana Bread Recipe with Chocolate Chips Step-by-Step

1. Prepare the Oven and Pan

Preheat the oven to 175°C (350°F). Line a loaf pan with parchment paper or grease it thoroughly.

2. Build the Banana Base

Mash the bananas until mostly smooth. Add sugar and eggs, then mix until the batter becomes glossy and cohesive.

3. Add Fats and Flavor

Stir in the melted butter, oil, and cinnamon. The mixture should look thick but pourable.

4. Combine Dry Ingredients

In another bowl, combine flour, baking soda, and baking powder together. Gradually fold them into the wet mixture. Cease mixing once all dry flour has disappeared.

5. Fold in Chocolate and Nuts

Gently fold in the chopped chocolate and hazelnuts. This step should be slow and light to keep the crumb tender.

6. Bake

Pour the batter into the pan and scatter the remaining chocolate on top.
Bake for 50–60 minutes, checking near the end. A toothpick should emerge with damp crumbs, not soggy batter.

Allow to cool for 10 minutes before taking out.

How to Keep Banana Bread Recipe with Chocolate Chips Moist

• Do not overmix once flour is added
  
• Measure flour accurately
  
• Avoid overbaking—banana bread continues cooking as it cools
  
• Let the loaf rest before slicing
  

These details matter more than adding extra fat or sugar.

Variations You Can Make Without Ruining the Texture

gluten free banana bread recipe

When I discovered I needed to go gluten-free, banana bread was one of the first recipes I had to perfect. This version tastes just like bakery banana bread, and you’d never guess it’s gluten-free.

Ingredients & Method Highlights:

• Use three ripe bananas, mashed
  
• Add honey or maple syrup, coconut oil or butter, eggs, and vanilla extract
  
• In a separate bowl, combine almond flour, oat flour, tapioca starch, salt, baking soda, and cinnamon
  
• Mix together, then fold in chocolate chips
  
• Pour into a lined loaf pan and bake at 350°F (175°C) for about 50 minutes
  

The result is a moist, tender loaf that rivals traditional banana bread—perfect for gluten-free diets.

vegan banana bread recipe

This vegan banana bread recipe is simple, made in one bowl with just nine ingredients you probably already have in your pantry.

Ingredients & Method Highlights:

• Use overripe bananas (the darker, the sweeter) and mash into a puree
  
• Add plant milk (like almond milk), oil (olive oil works well), sugar, and vanilla extract
  
• Sift in flour, baking powder, baking soda, and a pinch of salt and mix until just combined
  
• Fold in chocolate chips or other favorite add-ins like walnuts
  
• Pour into a lined loaf pan and bake for 40–50 minutes, or until a toothpick comes out clean
  

The batter is dense and rich, producing a loaf that is moist, flavorful, and completely vegan—without sacrificing taste or textur

Banana Bread Muffins Recipe

For a quick, grab-and-go snack, try this banana bread muffins recipe variation. Soft, moist, and chocolatey, these muffins taste like they came straight from a bakery.

Ingredients & Method Highlights:

2 overripe bananas, mashed

⅓ cup melted butter (75 g)

½ cup granulated sugar (100 g)

¼ cup brown sugar (50 g)

2 large eggs (100 g)

½ cup buttermilk (120 g)

1 ½ tsp vanilla extract (7 g)

1 ½ cups all-purpose flour (190 g)

1 tsp baking soda (5 g)

½ tsp baking powder (2 g)

½ tsp salt (3 g)

½ tsp cinnamon (optional) (1 g)

Chocolate chips (as much as you like!)

Mash the bananas and mix with melted butter (not too hot), then add both sugars.

Stir in eggs, vanilla, and buttermilk.

If you’re looking for the ultimate banana bread recipe with chocolate chips, this moist, tender loaf is perfect for any occasion. You can also check out our full banana bread recipe for more baking tips and variations.

Final Notes

This banana bread recipe with chocolate chips is designed to be dependable, flavorful, and genuinely enjoyable to bake. It is not overly sweet, not dry, and not complicated—just a well-balanced recipe that works every time.

If you want one chocolate chip banana bread recipe that feels homemade and thoughtful, this is the one worth keeping.

Common Questions