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Chocolate Chip Banana Bread

prep time: 15 min | bake time: 45 min | total time: 1 hr

Don't throw out your overripe bananas! Make this super moist and absolutely delicious Chocolate Chip Banana Bread! This recipe uses simple ingredients like mashed bananas, cinnamon, and chocolate chips to create a flavorful, tender loaf. It's already egg free and can easily be made dairy-free with the swap of a few ingredients. We are taking banana bread to another level by adding chocolate chips because who doesn't want little pockets of melted chocolate in their banana cake?

Chocolate Chip Banana Bread

If you’re looking for a banana bread recipe that will have you eating half of it in a day – look no further because I promise you this one is a winner! This simple and deliciously moist Chocolate Chip Banana Bread is eggless and can easily be made dairy-free. It’s the perfect way to use overripe bananas, offering a lighter texture instead of the heavy feel that some banana breads may have. After several weeks of perfecting this recipe, it’s now better than ever and I cannot wait for you to try it! Chocolate chips are optional, but let’s be real folks, they are sort of necessary and even a small sprinkle of them adds a lovely contrast of flavors. I hope you enjoy this refined version of banana bread!

The batter for this eggless banana bread is thick, as expected from a true banana bread. When freshly baked, it may form a bread-like crust. Don’t worry, as the loaf cools, the moisture from within will soften the bread, creating a wonderfully moist and tender result that you will truly be obsessed with. I’ve had a lot of banana bread in my days and I can honestly say that this one is the best! Give it a try and let me know what you think, it comes together in no time and might be eaten up even quicker!

What You Will Need

  • 8 inch (20cm) Loaf Pan or 9-inch (22cm) Loaf Pan 
  • Whisk
  • Large Mixing Bowl

Ingredients for Chocolate Chip Banana Bread Recipe

  • Milk: This provides moisture and is combined with apple cider vinegar to mimic the texture and richness of buttermilk. If you are not dairy free feel free to use buttermilk instead of milk. If you want to make this recipe dairy free use any plant-based milk like almond, oat, or soy milk.
  • Apple Cider Vinegar: Helps curdle the milk, which creates a tender crumb for this eggless banana bread. Skip this if you are using buttermilk.
  • Cane Sugar: Adds sweetness and balances the natural sugars from the bananas. Any sugar that you have on hand will work just fine.
  • Mashed Bananas: Overripe bananas are perfect for this recipe, providing both moisture and natural sweetness. They’re key to the rich banana flavor. If your bananas are not ripe, read below for tips on how to accelerate that process!
  • Vegetable Oil: This adds moisture to the bread, ensuring a soft, tender crumb. You can substitute with sunflower oil or melted butter if desired.
  • All-Purpose Flour: Provides structure to the loaf. You can also use a gluten-free blend if needed.
  • Baking Powder & Baking Soda: These leavening agents help the bread rise and create a light, airy texture.
  • Cinnamon: Adds warmth and depth to the banana flavor, enhancing the overall taste.
  • Chocolate Chips: Optional but a great addition. Chocolate chips bring bursts of chocolatey goodness throughout the loaf. You can use semi-sweet, dark, or even mini chocolate chips depending on your preference.

The Best Chocolate Chips for Baking

For this banana bread, I recommend using semi-sweet or dark chocolate chips to balance the sweetness of the bananas. You can also use mini chocolate chips if you want smaller but more bursts of chocolate in every bite. If you’re making a dairy-free version, be sure to choose dairy-free chocolate chips that don’t contain milk solids. Dark chocolate chips are a great option for this.

How to Ripen Bananas for Chocolate Chip Banana Bread?

  • Paper Bag Method: Place the bananas in a brown paper bag and loosely fold it closed. Adding an apple or another ripe banana can speed up the process. This traps the ethylene gas produced by the fruits, which helps ripen them faster. The bananas should be ready in 1-2 days.
  • Oven Method: Preheat your oven to 300°F (150°C) and place unpeeled bananas on a baking sheet. Bake for 15-20 minutes until the skins turn black. Let them cool before using. This method softens and sweetens the bananas quickly.
  • Microwave Method: Pierce the unpeeled banana a few times with a fork and microwave it for 30 seconds to 1 minute. This softens the banana, but be cautious as it won’t develop the same sweetness as naturally ripened bananas.

How to Make the Best Chocolate Chip Banana Bread

Prepare the Loaf Pan and Wet Ingredients

Preheat the oven to 350°F (175°C). Lightly grease an 8-inch (20cm) or 9-inch (22cm) loaf pan and line it with parchment paper, leaving an overhang for easy removal. In a bowl, combine milk and vinegar and let it sit for 10 minutes until slightly curdled. Add the sugar and oil to the curdled milk, and whisk until the sugar is dissolved. Then, mix in the mashed banana until well combined.

Combine Dry Ingredients and Add Chocolate Chips

In a separate bowl, combine all the dry ingredients: flour, baking powder, baking soda, salt, and cinnamon. Gradually mix the dry ingredients into the wet mixture until fully combined and the batter is smooth. Fold in the chocolate chips.

Bake and Cool the Bread

Pour the batter into the prepared loaf pan and score the top by running a small knife about 1/4 inch deep along the surface from one end to the other. This will help the bread rise evenly. Bake for 40-45 minutes, or until a skewer inserted into the center comes out clean. Let the bread cool in the pan for 30 minutes before transferring it to a cooling rack. Slice and enjoy!

How to Store Chocolate Chip Banana Bread

To keep your banana bread fresh, store it in an airtight container at room temperature for up to 3 days. If you want to extend its shelf life, you can refrigerate it for up to a week. If you store it in the fridge take it out and let it get to room temperature or warm slightly before serving for the best flavor and texture.

Can You Freeze Chocolate Chip Banana Bread?

Yes, this banana bread freezes beautifully! Simply wrap the cooled loaf (or individual slices) tightly in plastic wrap and place it in a freezer-safe bag. It will keep in the freezer for up to 3 months. When you’re ready to enjoy it, thaw the bread at room temperature or warm it in the microwave for a quick treat.

Chocolate Chip Banana Bread Recipe Frequently Asked Questions

Tips to Make an Amazing Banana Bread

  • Use very ripe bananas: The riper, the better. I always peel and wrap overripe bananas in foil and store them in the fridge until ready to use. The natural sweetness and moisture they bring make a huge difference.
  • Add mix-ins: For extra flavor and texture, mix in ingredients like chocolate chips, chopped nuts like walnuts or pecans, or dried fruits. Even a small sprinkle of chocolate chips adds a great contrast.
  • Wrap for moisture: Once baked and cooled at room temperature, wrap your banana bread tightly in plastic wrap. This helps lock in moisture, keeping the bread soft and tender.
  • Make it ahead: For the best results, bake your banana bread a day ahead. Letting it sit overnight enhances the flavors and allows the bread to soften even more.
  • Don’t overmix: Mix the batter just until combined. Overmixing can result in dense or tough bread.

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Meet Saloni

I’m a former pastry chef with a love for breads, cakes and everything in between! My recipes are easy to follow, egg free and are designed to be shared with others!

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Chocolate Chip Banana Bread

Don't throw out your overripe bananas! Make this super moist and absolutely delicious Chocolate Chip Banana Bread! This recipe uses simple ingredients like mashed bananas, cinnamon, and chocolate chips to create a flavorful, tender loaf. It's already egg free and can easily be made dairy-free with the swap of a few ingredients. We are taking banana bread to another level by adding chocolate chips because who doesn't want little pockets of melted chocolate in their banana cake?
Author: Saloni Mehta
Rate
Yield: 10 servings
Prep: 15 minutes
Cook: 45 minutes
Total: 1 hour

Equipment

Ingredients

  • 120 ml Milk* at room temperature
  • 2 tsp Apple Cider Vinegar*
  • 125 g Cane Sugar*
  • 2 tsp Vanilla Extract
  • 212 g Ripe Banana mashed, 2-3 bananas
  • 95 ml Vegetable Oil
  • 250 g All Purpose Flour
  • tsp Baking Powder
  • 1 tsp Baking Soda
  • ¼ tsp Salt
  • 1 tsp Cinnamon Powder
  • 80 g Chocolate Chips* plus more for topping if desired
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Instructions

  • Preheat the oven to 350 f (175C)
  • Lightly grease an 8-inch (20cm) or 9-inch (22 cm) loaf pan and line it with an overhang of baking paper.
  • Combine milk and vinegar in a bowl and let it sit for 10 minutes until slightly curdled.
  • Add sugar and oil. Mix with a hand whisk until sugar is dissolved.
  • Add mashed banana and mix until combined.
  • Add all the dry ingredients (flour, baking powder, baking soda, salt and cinnamon) into liquid ingredients, mix until fully combined and the batter is smooth.
  • Add chocolate chips and mix.
  • Pour the batter into the pan and score the batter by running a small knife about 1/4 inch deep in the batter from one end of the pan to the other end. This will encourage the batter to cook and rise more evenly.
  • Bake for 40 - 45 min or longer if needed. Test the middle of the banana bread with a skewer. It should come out clean with a little crumb.
  • Let it cool in the loaf pan for 30 min and then carefully remove the loaf and allow it to cool on a cooling rack.
  • Portion into thick slices and enjoy!

Notes

  • Cup vs weighing scale: The US customary cup measurement serves as a rough estimate, as it can have uncertainties, so for precise results, it's recommended to weigh your ingredients using a digital scale in grams.
  • Before you start to make any recipe, measure and prepare your ingredients so the process will go smoothly and easily.
  • For teaspoon (tsp) and tablespoon (tbsp) measurements, please use measuring spoons and not the type of spoons you eat with for accuracy.
  • Milk: You can use any dairy-free unsweetened milk (like almond, soy, oat) or dairy-based whole milk
  • Lemon Juice: You can substitute with Apple Cider Vinegar / White Vinegar and vice-versa.
  • Sugar: Cane sugar can be substituted with granulated sugar or castor sugar. Ensure the sugar is vegan-friendly (some sugars are processed with bone char) or use organic cane sugar
  • Chocolate Chips: Use dark or semi-sweet chocolate chips or a chocolate bar cut in chunks. For the vegan version, use dark chocolate of any dairy-free chocolate brand (make sure it doesn't contain milk solids or butter) but cocoa butter is totally fine.

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