Banana Chocolate Chip Cake
Banana Chocolate Chip Cake
5 from 3 votes
Unearth the joy of baking with our delicious banana chocolate chip cake, a delightful blend of bananas and chocolate chips, topped with a creamy peanut butter frosting. No prior baking skills necessary – join in on the fun! 
New Banana Chocolate Chip Cake

Let me introduce you to a cake that’ll have your taste buds singing in harmonious delight – the utterly scrumptious Banana Chocolate Chip Cake. Now, you may think bananas and chocolate chips are for muffins and bread, but oh, you’re in for a pleasant surprise.  

Picture the delectable sweetness of ripe bananas merged with the blissful crunch of chocolate chips, all wrapped up in a soft, fluffy cake, frosted with creamy, dreamy peanut butter goodness. Can you feel your mouth watering? Mine certainly is! 

This cake, dear reader, has quite the heritage. The tantalizing combination of bananas and chocolate has its roots deeply embedded in American dessert culture.  

Historically, it’s believed that the delicious duo made their first public appearance together during the Great Depression. Bananas were affordable, and chocolate brought joy to the hard times, making their combo a staple comfort food.  

Our Banana Chocolate Chip Cake is a salute to that era, a dessert delicacy born out of resilience and resourcefulness. 

Now, don’t get your apron in a twist, wondering about the difficulty of making this luscious cake. Breathe easy, this isn’t an elaborate French patisserie recipe that’ll have you sweating bullets.  

It’s a simple, straightforward recipe that requires some mixing, whisking, and a bit of patience while the magic happens in the oven. 

Whether you’re a novice or a seasoned baker, this recipe welcomes you with open arms. It’s not a race against the clock or a battle with the dough, but a leisurely baking journey.  

Each step is a joy – from the aroma of ripe bananas getting mashed to the satisfying sensation of folding in the chocolate chips. And don’t even get me started on the bliss of watching it rise in the oven – a sight to behold, I tell you! 

But wait, there’s more! The decadent peanut butter frosting is the icing on this cake – quite literally. This creamy delight adds an extra layer of flavour that takes this cake from ‘delicious’ to ‘stop-the-presses-this-is-heavenly.’ 

So, there you have it! My magnificent Banana Chocolate Chip Cake recipe – a delightful dance of flavours and textures, steeped in history, and approachable for bakers of all levels.  

It’s not just a cake; it’s an experience, a celebration of comfort food that promises to leave you and your loved ones asking for seconds. So, why wait? Grab your whisk, don your apron, and let’s embark on this sweet journey together. 

What Ingredients to Use & Why 

When we embark on the journey to create the enticing Banana Chocolate Chip Cake, we indulge in a carefully chosen symphony of ingredients. Each element has its own role, contributing towards the harmonious marriage of flavours, textures, and aesthetics that ultimately make this cake a delectable experience.  

Let’s understand the story behind each ingredient, what it brings to the table and potential alternatives we could experiment with. 

Non-stick Vegetable Oil Spray: This is our secret to ensuring the cake doesn’t adhere to the baking tin, a scenario which could potentially damage its form and texture.  

Using this particular oil spray also imparts no additional flavour, letting the other ingredients shine. An alternative could be butter or a layer of parchment paper, although they might slightly affect the taste. 

Plain Flour: Flour is the foundation of any cake, providing the structure that allows it to rise while maintaining form. Its bland taste makes it the perfect backdrop against which the other, more flavourful ingredients stand out. An alternative could be gluten-free flour for those with dietary restrictions. 

Baking Soda: This acts as a leavening agent, causing the cake to rise and giving it a light, fluffy texture. Its alkaline nature reacts with the acidic sour cream, producing carbon dioxide that helps the cake expand. You could substitute it with baking powder in a pinch, though the final texture might slightly differ. 

Kosher Salt: It enhances the overall flavours and helps balance the sweetness. Though it’s typically used in savoury dishes, salt is an unsung hero in desserts too. Any other culinary salts could work as a substitute. 

Granulated Sugar and Brown Sugar: These ingredients are responsible for the sweet foundation of our cake. The brown sugar, rich in molasses, lends a depth of flavour and moistness. Alternatives could be honey or maple syrup, but they may alter the cake’s texture and taste. 

Unsalted Butter: This brings richness, flavour, and moisture to the cake. Unsalted butter allows us to control the sodium content. If unavailable, margarine could be used, but it may affect the cake’s richness. 

Eggs: They provide structure and stability to the cake, bind the ingredients together, and also contribute to the leavening. Vegan alternatives like flax eggs or applesauce can be used, but the cake’s texture might change slightly. 

Vanilla Extract: This is a flavour enhancer, adding a subtle depth that complements the other ingredients. Alternatives include almond extract or maple syrup, which would bring different flavour notes. 

Bananas: The star ingredient, they provide natural sweetness and moisture, making the cake tender and flavourful. Overripe bananas work best. If not available, applesauce or yoghurt can serve as substitutes, but they won’t impart the same flavour. 

Sour Cream: This brings a tangy flavour and creamy richness to the cake. It also reacts with baking soda to assist in leavening. Yoghurt or buttermilk could serve as alternatives. 

Chocolate Chips: They provide delightful pockets of sweetness and a pleasing contrast in texture. Alternatives could be chunks of dark or white chocolate. 

Peanut Butter and Icing Sugar (for Frosting): Peanut butter provides a rich, creamy, and slightly salty contrast to the sweet cake, while icing sugar gives the frosting its structure and sweetness. Alternatives could be almond or cashew butter, and powdered erythritol or stevia, respectively. 

Finally, the Chocolate Chips for Garnish not only add an aesthetic appeal but also an additional layer of flavour and texture. They could be replaced with nuts or sprinkles for a different finish. 

And there we have it. Each ingredient in our Banana Chocolate Chip Cake plays a crucial role, coming together to create a dessert that’s a delight to the senses. 

Understanding Banana Ripeness in Baking a Banana Chocolate Chip Cake 

When I’m baking my delicious banana chocolate chip cake, I always find that the ripeness of the bananas significantly affects the flavour and texture of the finished product. The bananas are one of the key ingredients, and their ripeness level can transform the outcome from good to absolutely delightful. 

The ideal bananas for this cake are those that are very ripe. I mean, really ripe – almost black, with more brown spots than yellow. You might be tempted to throw such bananas away, but they are gold for baking.  

Their flavour is incredibly concentrated, almost like a natural banana essence, which gives the cake a deep, rich banana taste. The sugars in overripe bananas also caramelize during baking, providing an added depth of flavour. 

When I’ve used just ripe bananas, the kind that you’d eat straight from the peel, the banana flavour in the cake is subtle and the texture is slightly drier. Overripe bananas are also easier to mash and incorporate into the batter, leading to a more moist cake. 

The beauty of this banana chocolate chip cake recipe is its flexibility. If I only have just ripe bananas and a craving for this cake, I go ahead and bake it.  

However, I always remember that the banana flavour will be milder and the texture less moist. If I have the luxury of planning ahead, I buy bananas and let them sit on the counter for a few days until they are overripe and perfect for baking. 

So, the bottom line is, to use very ripe bananas for the most flavourful and moist banana chocolate chip cake. However, don’t let less ripe bananas stop you from baking this delicious cake. 

How to Make a Gluten-Free Banana Chocolate Chip Cake 

I know that dietary restrictions can sometimes feel limiting. But they don’t have to be, especially when it comes to delicious desserts like the banana chocolate chip cake. 

Let’s say you or someone you’re baking for has a gluten intolerance. You might wonder if it’s possible to make this delightful dessert without using plain flour. The answer is absolutely yes, and the cake can be just as moist and delicious. 

My favourite substitution is a high-quality gluten-free all-purpose flour blend. These blends are designed to replicate the texture and functionality of wheat flour, and they usually work well in most recipes.  

I recommend checking the packaging to see if the blend already contains a binding agent like xanthan gum. If it does, great! If not, you’ll need to add about a 1/4 teaspoon per cup of flour to help the cake hold together. 

Another option is to use almond flour or a mix of almond and coconut flour. This results in a denser but equally tasty cake with a slightly nutty flavour that goes well with the banana and chocolate.  

Keep in mind that these flours absorb more moisture, so you might need to add a bit more mashed banana or sour cream to keep the cake moist. 

Whenever I adapt a recipe to dietary needs, I see it as a fun challenge rather than a limitation.  

Baking a gluten-free banana chocolate chip cake can result in a unique and delicious dessert that everyone can enjoy. Remember, when it comes to gluten-free baking, don’t be afraid to experiment and find the perfect blend of flour that works for you and your loved ones. 

Adapting the Banana Chocolate Chip Cake for a Vegan Diet 

One of the greatest joys of baking is how adaptable recipes can be. When I discovered a friend of mine was vegan, I set about making my favourite banana chocolate chip cake vegan-friendly. I found that not only is it possible, but the result is equally delicious. 

The main hurdle in veganising this recipe is replacing the eggs. Luckily, there are several effective options available. My favourite method is using “flax eggs”.  

For each egg needed, I simply combine one tablespoon of ground flaxseed with two tablespoons of water, and let it sit for 5 minutes until it thickens into a gel-like consistency. This mixture provides the binding properties needed in most cake recipes. 

Another option is using applesauce or mashed bananas. They work similarly to the flax eggs and often complement the flavour of the cake. For this recipe, I would use 1/4 cup of applesauce or mashed banana per egg. 

Switching out the butter is easy. I use a plant-based butter alternative or coconut oil. The measurements remain the same as the original recipe. The sour cream can be replaced by a vegan version, available in most supermarkets, or I simply use unsweetened soy or almond yoghurt. 

Adapting the frosting requires replacing the butter with a vegan version and ensuring the sugar is vegan. Some sugars are processed using bone char, which is not vegan. However, many brands are available that do not use this method. 

In the end, when I bake this cake using these substitutes, I find it is just as delicious and satisfying as the original. It’s a reminder that baking is not only about following a recipe but also about adapting it to make it work for everyone. 

Trying Different Frostings for the Banana Chocolate Chip Cake 

I’m always open to experimenting with my recipes. While the peanut butter frosting for the banana chocolate chip cake is an absolute delight, there are times when I want to mix it up a bit or cater to the tastes of my guests. 

If I’m after a lighter, more traditional option, cream cheese frosting is a reliable choice. Its tangy flavour balances the sweetness of the cake, creating a delightful contrast.  

Making the frosting is simple. I combine softened cream cheese, powdered sugar, butter, and a touch of vanilla extract, then beat it until it’s creamy and spreadable. 

For the chocoholics out there, a rich chocolate ganache could take this cake to new heights of indulgence. 

 To make a simple ganache, I heat equal parts of heavy cream and dark chocolate over low heat until the chocolate melts and blends with the cream. Once cooled a bit, it’s ready to pour over the cake, creating a glossy, irresistible finish. 

If I’m feeling particularly festive, a caramel buttercream frosting adds an incredible richness and depth of flavour to the cake. I make a simple caramel sauce, let it cool, and then beat it into a traditional buttercream frosting.  

The result is a deliciously creamy, caramel-infused delight that pairs exceptionally well with the banana and chocolate flavours of the cake. 

Experimenting with different frostings not only expands my baking skills but also transforms my banana chocolate chip cake into various delicious versions.  

Whether I want to keep it light and tangy or indulge in some chocolate or caramel goodness, these frostings let me create a cake that is tailored to the occasion and the taste preferences of my guests. 

Storing Leftover Banana Chocolate Chip Cake and Ensuring Its Freshness 

As someone who loves to bake, I often find myself with leftovers, and my banana chocolate chip cake is no exception. Thankfully, this cake stores very well, ensuring that none of its deliciousness goes to waste. 

Firstly, the cake should be completely cooled before storing. If it’s still warm, it can create condensation in the storage container, making the cake soggy. Once the cake is at room temperature, the best way to store it is in an airtight container.  

This prevents the cake from drying out. If I don’t have a container large enough, I tightly wrap the cake in cling film. 

For short-term storage, the cake can be kept at room temperature for up to two days. Beyond that, I find that refrigeration extends its freshness. Stored in the fridge, the cake can last for up to a week. 

What about if I want to store the cake for even longer? Well, this is where freezing comes in handy. This cake freezes exceptionally well. I wrap each piece individually in cling film and then store all pieces in a large zip-top freezer bag.  

The cake can last for up to three months in the freezer. When I’m ready to eat a piece, I let it thaw in the fridge overnight or at room temperature for a couple of hours. 

Storing leftover banana chocolate chip cake effectively means I can enjoy this delicious treat over a longer period, without compromising on its taste and texture. After all, the effort put into baking should certainly be savoured! 

Reducing the Sweetness in Your Banana Chocolate Chip Cake 

There’s nothing quite like the satisfaction of a well-baked banana chocolate chip cake. However, as a baker who enjoys sharing my treats with others, I understand that everyone’s sweetness preference varies. Luckily, there are a few ways I can adjust this recipe to make it less sweet. 

Firstly, the amount of sugar in the cake itself can be reduced. I usually start by decreasing the sugar by 1/4, which reduces the sweetness without affecting the texture significantly.  

It’s worth noting that bananas add natural sweetness to the cake, so reducing the sugar can actually help the banana flavour to shine through. 

The type of chocolate chips used can also make a difference. Instead of using milk chocolate chips, I opt for semi-sweet or dark chocolate chips. They contain less sugar and have a slightly bitter flavour that can balance out the overall sweetness of the cake. 

The frosting is another area where the sweetness can be adjusted. Instead of a sweet peanut butter frosting, I sometimes make a cream cheese frosting, which has a tangy flavour that balances the sweetness of the cake. 

Lastly, if I’m reducing the sugar in the cake, I pay extra attention to the ripeness of my bananas. Overripe bananas are sweeter, so they can compensate for the reduced sugar. 

With these adjustments, I’ve found that I can create a banana chocolate chip cake that is less sweet but still delicious. 

Everyone’s taste preferences are different, and these changes allow me to cater to those who prefer their cakes on the less sweet side. After all, baking is about creating something that everyone can enjoy. 

Choosing the Right Cake Tins for Your Banana Chocolate Chip Cake 

Baking a cake is always an adventure, and when it comes to my banana chocolate chip cake, choosing the right cake tins is an essential part of the process. After all, the size and type of the tins can significantly influence how the cake turns out. 

For this particular recipe, I usually prefer to use two 8-inch round cake tins. These allow the cake to bake evenly and rise properly, giving me two perfect layers to frost and stack. I also appreciate the classic look of a round layer cake – it never fails to impress. 

However, there’s room for creativity here. If I want a taller, more dramatic cake, I use two 6-inch tins. This results in smaller but higher layers, which can be particularly appealing for special occasions.  

If I’m baking for a larger crowd or a casual gathering, I use a 9×13-inch rectangular tin and turn the cake into a sheet cake. This is easier to cut into individual servings and is just as delicious. 

Whichever size I choose, I always ensure to adjust the baking time accordingly. Smaller or thinner cakes will bake faster, while larger or thicker ones may need a bit more time in the oven. Keeping a close eye on the cake towards the end of the baking time helps me avoid over or under-baking. 

In the end, the type of cake tin I choose depends on the occasion, the number of people I’m feeding, and the presentation I want. Whichever I choose, I know that this banana chocolate chip cake will be a hit. 

Freezing and Thawing Your Banana Chocolate Chip Cake for Later Use 

The ability to freeze my banana chocolate chip cake is one of the reasons I love this recipe so much. Knowing that I can prepare the cake in advance, freeze it, and have it taste just as delicious when thawed, gives me flexibility and convenience. 

Before freezing, I ensure that the cake has completely cooled to room temperature. If it’s even slightly warm, condensation can form during freezing, which leads to a soggy cake when thawed.  

I can freeze the cake as a whole, but I prefer to cut it into individual slices. This allows me to thaw only as much as I need at a time. 

To freeze, I wrap each slice tightly in cling film, ensuring all sides are well covered. Then, I place the wrapped slices in a zip-top freezer bag or an airtight container. If I’m freezing a whole cake, I wrap the entire cake in a couple of layers of cling film and then a layer of aluminium foil for extra protection. 

The cake can remain in the freezer for up to three months. When I’m ready to serve the cake, I transfer the slices (or the whole cake) from the freezer to the refrigerator and let them thaw overnight. If I’m in a hurry, leaving the cake at room temperature for a few hours works as well. 

One of the greatest joys of this process is the knowledge that a slice of delicious banana chocolate chip cake is always just a thaw away. Whether I’m anticipating a busy week or preparing for a future gathering, freezing this cake ensures I’m always ready for dessert. 

Finding Substitutes for Sour Cream in Your Banana Chocolate Chip Cake Recipe 

I know that not everyone has the same ingredients in their pantry. I’ve also found that dietary restrictions or preferences often call for substitutions. One of the ingredients in my beloved banana chocolate chip cake recipe that might need substituting is sour cream. 

Sour cream adds a lovely tangy flavour and creamy texture to the cake, but there are several suitable substitutes if needed. One of the most straightforward replacements is plain yoghurt. Greek yoghurt, in particular, has a similar consistency to sour cream and a mild tangy flavour. 

Buttermilk is another option. Like sour cream, buttermilk will give your cake a nice tender crumb. If you don’t have buttermilk on hand, you can make a homemade version by adding a tablespoon of vinegar or lemon juice to a cup of milk and letting it sit for about 10 minutes. 

For a non-dairy option, coconut cream mixed with a bit of lemon juice can mimic the texture and tanginess of sour cream. This is especially useful for those who are lactose intolerant or following a vegan diet. 

Even though sour cream plays a significant role in this cake, its purpose is not irreplaceable. With the right substitutions, you can still enjoy the moist, tender crumb and rich flavour of this banana chocolate chip cake. 

Exploring Different Types of Sugar for Your Banana Chocolate Chip Cake 

Sugar is more than just a sweetener in baking; it also affects the texture, colour, and moistness of the cake. For my banana chocolate chip cake, the recipe calls for brown sugar. However, I’ve learned that it’s possible to use different types of sugar based on what’s available or for a unique twist. 

White granulated sugar is the most obvious substitute for brown sugar. While it lacks the molasses flavour of brown sugar, it will still lend the necessary sweetness to the cake. 

If you want to keep the rich, caramel-like notes of brown sugar, you could use dark brown sugar instead of light brown sugar. Dark brown sugar contains more molasses, giving your cake an even deeper, more robust flavour. 

Another option is coconut sugar. This sugar is unrefined and has a caramel-like flavour, similar to brown sugar. Its granules are a bit larger, so it’s best to give it a little extra time to cream with the butter. 

For a healthier alternative, you might consider using honey or maple syrup. Both add a unique flavour to the cake while reducing the amount of refined sugar.  

When substituting with these, I usually use about 3/4 the amount of the called-for sugar and slightly reduce the amount of other liquid ingredients to balance the moisture content. 

Remember, every type of sugar has a slightly different sweetness level and can affect the texture and colour of your cake. So, experiment with different kinds and find what you and your family enjoy the most. Baking is as much about creativity and experimentation as it is about precision. 

Check Out These Other Recipes 

After you’ve delighted in the creamy sweetness of my Banana Chocolate Chip Cake, I have a few other baking delights I think you’ll love. 

Have you ever had that dream where you’re running in a field of muffins, and then you dive headfirst into a pile of fluffy, chocolate-speckled goodness? No? Just me? Well, I can make that dream a reality for you with my delectable Chocolate Chip Muffins. They’re every bit as mouth-watering as they sound. 

Have you met my seductive Red Velvet Cake yet? This sultry sweetheart is all dressed up in a vibrant red hue and topped with a blanket of rich cream cheese frosting. One bite and you’ll be head over heels, I promise. 

Then, there’s the Vanilla Tray Bake, it’s like your trusted old friend who never lets you down. But don’t let its simplicity fool you. This cake is moist, tender, and brimming with pure vanilla goodness. You can trust it to sweeten any of your days. 

For those days when you crave something different but just as delicious, take my yummy and delicious Blueberry Streusel Cake for a spin. Packed with fresh blueberries and topped with a crunchy streusel topping, this one’s a showstopper. It’s like having a beautiful, sunny picnic, but in cake form. 

Last but not least, my Oreo Cheesecake is a thing of beauty. Each slice is a heavenly fusion of creamy cheesecake and that iconic Oreo crunch. It’s just as dreamy as it sounds. 

Before you run off to the kitchen (and I know you want to), remember that I always love hearing from you. Don’t hesitate to share your experiences and feedback in the comments. I can’t wait to see how these recipes bring a sweet touch to your table! 

New Banana Chocolate Chip Cake

Banana Chocolate Chip Cake

by Nabeela Kauser
Unearth the joy of baking with our delicious banana chocolate chip cake, a delightful blend of bananas and chocolate chips, topped with a creamy peanut butter frosting. No prior baking skills necessary – join in on the fun! 
5 from 3 votes
Prep Time 20 minutes
Cook Time 35 minutes
Total Time 55 minutes
Course Baking, Dessert
Cuisine American, Western
Servings 16
Calories 295 kcal



  • Vegetable Oil Spray Nonstick
  • 350 g Plain Flour
  • 2 tsp Baking Soda
  • 2 tsp Kosher Salt
  • 300 g Sugar
  • 200 g Butter Unsalted
  • 100 g Brown Sugar
  • 3 Eggs Large
  • 1 tsp Vanilla Extract
  • 3 Bananas Mashed and very ripe
  • 200 g Sour Cream
  • 150 g Chocolate Chips


  • 500 g Peanut Butter
  • 200 g Icing Sugar
  • 200 g Butter Unsalted
  • 2 tsp Vanilla Extract


  • 150 g Chocolate Chips



  • Preheat the oven to 180°C (350°F) gas mark 4.
  • Coat the cake tins with nonstick spray and line the bottom with parchment paper. (See Note 1).
  • In a medium bowl whisk the flour, baking soda, and salt.
  • Using an electric whisk, beat the sugar, butter, and brown sugar in a large bowl until light and fluffy, for about 3 minutes.
  • Add the vanilla extract and the eggs one at a time, beating to blend between additions and occasionally scraping down sides and bottom of bowl.
  • Add dry ingredients and beat on low speed just to blend.
  • Add the bananas and sour cream and gently beat just to blend.
  • Fold in the mini chocolate chips.
  • Divide batter evenly among both tins.
  • Bake the cakes for about 35 minutes in the preheated oven.
  • Transfer the cakes to wire racks and let the cakes cool down for 10 minutes.
  • Invert the cakes onto the racks and peel off the parchment paper and let cool completely.


  • Using an electric whisk, beat the peanut butter, icing sugar, butter, vanilla extract in a medium bowl for 2-3 minutes, until a light and fluffy frosting forms.
  • Place 1 cake on a platter and spread part of the frosting over. Place the second cake on top.
  • Cover the top and sides of the cake with the remaining frosting.


  • Garnish with chocolate chips.
  • Cover and chill. Let stand at room temperature for 1 hour before serving.


Note 1 – This recipe will require two square 8-inch cake tins.
Nutritional facts:
The provision of nutritional information is done so merely as a courtesy and should not be taken as a guarantee.


Calories: 295kcalCarbohydrates: 28gProtein: 11gFat: 16gSaturated Fat: 10gTrans Fat: 0.2gCholesterol: 53mgSodium: 189mgPotassium: 541mgFiber: 0.04gSugar: 28gVitamin A: 548IUVitamin C: 3mgVitamin D: 4µgCalcium: 376mgIron: 0.2mg
Keyword Baking, Banana, Cakes, Chocolate, Chocolate Cake, Dessert, Food, Recipe
Tried this recipe?Mention @CookwithNabeela or tag #CookwithNabeela!

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Hi, I’m Nabeela and I love to cook! I want to share with you my favourite, delicious family-friendly recipes. I want to inspire you to create fantastic food for your family every day.

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