Banana Chocolate Chip Muffins

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Banana chocolate chip muffins loaded with healthier ingredients in each serving. The batter combines whole wheat flour, yogurt, chopped walnuts, whole bananas, and dark chocolate chips. Each tender muffin is a great breakfast treat to start your day.

Banana Chocolate Chip Muffins

Banana chocolate chip muffins are easy to make and can be whipped up in minutes for a freshly baked breakfast treat. I always have bananas stocked on the counter, but not all of them get eaten at their peak, can you relate?

Don’t let those brown speckled overripe bananas go to waste, turn them into these delicious muffins. I’ve made a few healthier ingredient swaps to add whole grains and protein. You won’t believe how moist and flavorful they are. If you want a quick breakfast solution or snack, let’s get started, it’s time to bake!

Tray of banana muffins with chocolate chips

How To Make Banana Muffins

There are a couple of substitutions that can be seamlessly incorporated into the muffin batter to add more nutrition to each bite.


Using whole wheat flour instead of all-purpose provides whole grains and fiber in each serving. I use white whole wheat flour to give a milder and sweet flavor and lighter color to the banana chocolate muffins. From an appearance and texture standpoint, the changes are barely noticeable.


One medium-sized banana provides about 1.3 grams of protein, and this recipe contains four! A 1/2 cup of plain Greek yogurt which contains 15 grams of protein is a nice way to give an additional boost to each muffin. If you have ever used sour cream to make a cake moister, the tart yogurt does something similar, as the acid helps to tenderize the wheat proteins. Double bonus!


Walnuts provide an excellent source of omega3 essential fatty acids from alpha-linolenic acid for anti-inflammatory benefits. They are also good sources of B vitamins, molybdenum, manganese copper and antioxidant. I’ve been adding walnuts in my recipes whenever I can, like in my whole wheat banana nut bread.

Banana chocolate chip muffins fresh out the oven

The biggest complaint of baking with whole wheat flour is how dry the product can be. By adding ingredients like yogurt, eggs, sugar, and butter help to tenderize the cake. The order in how you mix them together really makes a difference in the rise and texture of your banana chocolate chip muffins.

I read a tip for baking with whole wheat flour that allowing the batter to sit gives the bran and endosperm time to hydrate and soften. I did the hydration step for about 10 minutes before baking this recipe, and I think it helped with a more tender texture. Make sure to fill the muffin cups all the way up with batter to ensure great rise and perfectly domed muffin tops!

Banana chocolate chip muffins with crushed walnuts on top

To make these look and taste irresistible, I do two things. Sprinkle chopped walnuts on top for texture and a roasted flavor. Add dark chocolate chips right on top of the batter. About six chips, adds a nice pop of color, shine, and gooeyness when eaten warm. Oh yeah!

Have I convinced you to give these muffins a try? I hope so! It’s also a wonderful recipe for meal prepping breakfast for the week ahead. Once I’ve had my share of freshly-baked muffins, I wrap the cooled ones individually wrapped in plastic and place them in a resealable bag and freeze them.

Bite taken from a banana chocolate chip muffin

Whenever I need a quick bite, I microwave the muffins for 1 minute, and they are hot and tasty, just like the day I made them! What is your favorite muffin flavor? Other than these banana chocolate chip muffins, of course.

How to reduce fat in baked goods

If you’re looking to cut back on the added fat in baked goods, unsweetened applesauce is a healthy substitute. For quick bread-like muffins and cake, replacing oil would be a 1:1 swap with little change to texture and bake time. If replacing butter, remove only half of the butter as the texture will change more than with oil. Recipes using applesauce tend to have less browning, which may result in overbaking. Just make sure to keep an eye on the appearance, use a toothpick to see if it comes out clean from the cake to test for doneness, or you can use an instant-read thermometer to check if the internal temperature reaches  210°F.

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Banana Chocolate Chip Muffins

Banana chocolate chip muffins are loaded with healthier ingredients in each serving. The batter combines whole wheat flour, yogurt, chopped walnuts and dark chocolate chips.
Pin Print Review
4.25 from 8 votes
Prep Time15 mins
Cook Time25 mins
Total Time40 mins
Servings 12 muffins
Course Breakfast, Snack
Cuisine American


  • 2 cups white whole wheat flour
  • 2 teaspoons baking powder
  • ½ teaspoon kosher salt
  • 1 ¼ cup walnuts, chopped (divided)
  • 1 ½ cup semi-sweet chocolate chips, divided
  • 6 tablespoons unsalted butter, softened
  • ¾ cup granulated sugar
  • 2 large large eggs
  • 2 teaspoons pure vanilla extract
  • ½ cup plain greek yogurt
  • ½ cup whole milk
  • 1 ½ cups mashed ripe bananas, about 4 bananas


  • Set the oven rack to the lower position. Preheat to 375 °F. Line a 12 muffin cup tin with paper cups or lightly coat the tin with cooking spray.
  • In a medium-sized bowl combine flour, baking powder, salt, ¾ cup chopped walnuts, and 1 cup chocolate chips. Set aside.
  • In a large bowl or stand mixer, cream the butter until light and fluffy, 30 to 60 seconds. Add in sugar and beat until dissolved 60 seconds. Beat in one egg at a time, until combined.
  • Stir in vanilla, yogurt, milk, and mashed bananas until combined. Gently mix in dry ingredients, until just combined, do not overmix.
  • Fill each muffin cup to the brim, then allow to sit for 5 minutes. Sprinkle with remaining walnuts and chocolate chips, about 5 to 6 chips on top.
  • Bake for 25 minutes and cool in the tin for 5 minutes. Transfer to a wire rack to cool completely, or eat warm.


  • Muffins can be stored for up to 2 days in an airtight container or frozen and reheated.

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Nutrition Facts
Banana Chocolate Chip Muffins
Amount Per Serving
Calories 325 Calories from Fat 135
% Daily Value*
Fat 15g23%
Saturated Fat 7g35%
Polyunsaturated Fat 4g
Monounsaturated Fat 1g
Cholesterol 30mg10%
Sodium 139mg6%
Potassium 136mg4%
Carbohydrates 42g14%
Fiber 4g16%
Sugar 22g24%
Protein 8g16%
Vitamin A 200IU4%
Vitamin C 3.3mg4%
Calcium 90mg9%
Iron 2.2mg12%
* Percent Daily Values are based on a 2000 calorie diet.

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Jessica Gavin

I'm a culinary school graduate, cookbook author, and a mom who loves croissants! My passion is creating recipes and sharing the science behind cooking to help you gain confidence in the kitchen.

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Reader Interactions

12 Comments Leave a comment or review

    • Jessica Gavin says

      You don’t have to be good at baking to make these muffins! I know you will love these banana chocolate chip muffins. I can’t wait to hear what you think!

    • Jessica Gavin says

      Hi Judy! Great question. I have not tried these substitutions for this banana choclate chip recipe yet. However after some research I can say that you cannot replace the almond flour or coconut flour 1:1 with the whole wheat flour. If you are looking for a gluten free ooption I would use a gluten free flour instead. Or if just want a small substitution try replacing 1/4 cup of the whole wheat flour with almond or coconut flour and see if it works. Almond flour has more fat so you have to reduce some butter and make sure you have enough egg. Coconut flour is very absorbent so you need to replace add more eggs. The texture will be different, but if you are willing to experiment until you get the right texture you want, go for it! Here is a nice article I found about baking with almond and coconut flour:

      Good luck!

  1. Maria says

    These look delicious, but I’m wondering if there’s a way to reduce the amount of sugar without compromising texture too much? Or if using another type of sugar would affect how much flour/fat I would need to use? I’m thinking of honey or maple syrup since they have a better nutritional profile than refined cane sugar?

    • Jessica Gavin says

      Thank you Maria! You could perhaps try reducing the sugar to 1/2 cup. You could also try coconut sugar, but the flavor will be a little more roasted. You could use honey or maple syrup, but they don’t cream as well not give the night light crumb like sugar does when combined with the butter. It’s easier to incorporate air with granulated sugar. I would love to hear how your testing goes!

  2. Christos Foufas says

    Hi Jessica, this recipe was awesome, super easy to make and able to add your own tweaks easily (I decided to use wholemeal flour &raw sugar). The muffins turned out fantastic and tasted delicious.

    Thank you for the great recipe I will use again

    • Jessica Gavin says

      That’s so great to hear Christos! I’m happy that the adjustments you made worked well with the muffin recipe. I’ll have to try it with raw sugar 🙂

  3. Mane Ortega says

    The muffins look so delicious! Me and my husband just bought a giant thing of bread flour and I was thinking of making some muffins but dont want to go out to buy more flour lol (I literally have so much) so I was wondering if they recipe would require any changes if I decided to go with regular flour? Thanks for sharing the recipe!

    • Jessica Gavin says

      Thank you Mane! So are you using bread flour or all-purpose flour instead of the whole wheat flour? If you use all-purpose flour no changes need to be made, the crumb will actually be lighter. Bread flour has a higher protein content than all-purpose, but closer to whole wheat flour (All-purpose flour has about 10-13% protein; bread flour has about 12-15%; whole wheat flour 13-14), so if you do a 1:1 substitution you may notice a similar crumb texture close to this original recipe.

  4. Trish Fay says

    I recently made these for my grown son sans the walnuts, he is very anti walnut :). He loved them. Moist and flavorful and the extra chocolate chips on top of the muffins were a nice touch. Looking forward to trying more of your recipes, Jessica.

    • Jessica Gavin says

      Thank you for your feedback Trish! So happy to hear that your son enjoyed the muffins, no walnuts of course 🙂

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