
This banana chocolate chip muffin recipe transforms overripe bananas into bakery-worthy treats with rich chocolate and crunchy walnuts. The combination of melted butter and brown sugar creates an incredibly moist texture that stays fresh for days.
I first made these muffins when my daughter refused to eat the overripe bananas in our fruit bowl. Now she deliberately lets bananas get spotty just so we can bake these together on weekend mornings.
Ingredients
- Ripe bananas: The spottier the better as they provide natural sweetness and moisture
- Melted butter: Creates a richer flavor than oil would
- Brown sugar: Adds a caramel undertone that pairs perfectly with banana
- All purpose flour: Provides the perfect structure without being too dense
- Semisweet chocolate chips: Balance the sweetness without being too bitter
- Walnuts: Add texture and a subtle earthiness that elevates the whole muffin
- Vanilla extract: Enhances all the other flavors without competing
- Baking soda: Ensures proper rise and light texture
- Salt: Absolutely essential to balance the sweetness
Step-by-Step Instructions
- Cream the sugars and butter:
- Combine melted butter with both sugars using an electric mixer for about a minute. This creates a foundation of flavor and helps dissolve the sugar crystals completely for a better texture.
- Add eggs and vanilla:
- Mix in eggs and vanilla extract on medium speed until fully incorporated. The eggs provide structure while the vanilla enhances the banana flavor.
- Prepare the bananas:
- Thoroughly mash four ripe bananas in a separate bowl until mostly smooth with just a few small chunks remaining. Fold them into your batter for that authentic banana bread flavor.
- Incorporate dry ingredients:
- Sift flour, baking soda, and salt directly into the wet mixture. Mix until just combined, looking for no visible flour streaks. Overmixing will develop too much gluten resulting in tough muffins.
- Add mix-ins:
- Gently fold in walnuts and chocolate chips using a spatula, not the mixer. This preserves the texture and ensures even distribution throughout the batter.
- Fill muffin cups:
- Line your muffin tin with paper liners and fill each cup nearly to the top. The batter is thick enough that it will rise up rather than spread out.
- Top and bake:
- Sprinkle additional chocolate chips on top before baking at 350°F for 20-24 minutes. They are done when a toothpick inserted comes out with a few moist crumbs but no wet batter.

The chocolate chips are my secret weapon here. I discovered that using standard semisweet chips rather than fancy chocolate chunks creates these perfect little pockets of melty chocolate that my children go crazy for. My son once ate three of these in one sitting and still talks about that day as one of his favorites.
Make Ahead and Storage
These muffins actually taste better the day after baking once the flavors have had time to meld. Store them in an airtight container at room temperature for up to 4 days. The moisture from the bananas keeps them from drying out like other muffins might. To refresh them after a few days, split in half and toast lightly under the broiler.
Ingredient Substitutions
Feel free to customize this recipe to your dietary needs or pantry inventory. Replace walnuts with pecans or omit nuts entirely for allergy concerns. Swap half the all-purpose flour with whole wheat for added nutrition without sacrificing texture. For a dairy-free version, use coconut oil instead of butter. Dark chocolate chunks can replace semisweet chips for a more intense chocolate experience.
Serving Suggestions
While delicious on their own, these muffins reach new heights when served warm with a smear of salted butter. For dessert, top with a scoop of vanilla ice cream and a drizzle of caramel sauce. They also pair beautifully with coffee or milk for breakfast or afternoon snack. Cut leftovers into cubes and use in a trifle with vanilla pudding and whipped cream.
Frequently Asked Questions
- → Can I freeze banana chocolate chip muffins?
Yes, these muffins freeze wonderfully. Allow them to cool completely, then store in an airtight container or freezer bag for up to 3 months.
- → Do I need to use ripe bananas?
Yes, ripe bananas add natural sweetness and moisture to the muffins. Overripe bananas with brown spots work best.
- → Can I use other nuts instead of walnuts?
Absolutely! Pecans, almonds, or hazelnuts can be used as a substitute for chopped walnuts.
- → How do I know when the muffins are done?
The muffins are done when a toothpick inserted in the center comes out clean or with only a few crumbs.
- → Can I substitute butter with oil?
Yes, melted coconut oil or vegetable oil can be used instead of butter for a different texture and flavor.