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My chocolate chip banana bread is moist, tender, and my favorite way to use up ripe bananas as they start to brown. The best part is how easy it is to make and that it yields two loaves, so I can enjoy one now and freeze one for later.

Fresh banana bread loaf with chocolate chips, cut into slices beside stacked plates and milk.
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This is my all-time favorite banana bread recipe. It practically begs to be sliced and eaten right away (I can barely let it cool enough before my boys are slicing into it). Each bite has chunks of melted chocolate sweetness. The best part is how amazing my kitchen smells while it bakes, making it impossible to wait for breakfast, a snack, or even dessert.

Why I Love This Recipe

I swear my family lets our bananas become overripe just so I’ll make them banana bread.

  • Quick and easy recipe with simple ingredients
  • Soft and super moist banana bread every time
  • Makes two loaves, ideal for freezing or sharing
  • Perfect for breakfast, snacks, or dessert
  • Beginner-friendly and consistently reliable

If you love baking with overripe bananas, try my Banana Bread Mini Muffins! They are great to take to a party or to the office! Or want it with a little twist? You will go “bananas” for my Reese’s Peanut Butter Banana Bread.

Ingredients Notes

Slices of chocolate chip banana bread on a wooden board.
  • Unsalted butter: Feel free to add a pinch of salt to balance the sweetness or use salted butter if that’s all you have.
  • Granulated sugar
  • Eggs
  • Milk
  • Ripe bananas: Very soft, overripe bananas work best for maximum flavor and moisture.
  • All-purpose flour: Gluten-free one-to-one flour works well as a substitute.
  • Baking soda
  • Chocolate chips: Semi-sweet chocolate chips is classic, but milk chocolate or dark chocolate works too.

See the recipe card for full information on ingredients and quantities.

Recipe Variations

  • Nutty banana bread: Stir in chopped walnuts or pecans for added crunch and texture.
  • Spiced banana bread: Add cinnamon or nutmeg for a warm, cozy flavor.
  • Extra chocolate: Sprinkle extra chocolate chips on top before baking.
  • Mini loaves or muffins: Divide the batter into mini loaf pans or muffin tins. Reduce baking time and check doneness with a toothpick.
  • Plain banana bread: Skip the chips for a classic, soft, and moist banana bread without chocolate.
Chocolate chip banana bread cools on a wire rack next to a glass of milk.

How to Make Chocolate Chip Banana Bread Recipe

  1. Preheat the oven: Set oven to 350°F and grease two loaf pans.
  2. Mix the wet ingredients: In a large bowl, use an electric mixer to cream the butter and sugar until combined. Add the eggs, then the milk and bananas, mixing for about one minute. The batter may look slightly lumpy, which is normal.
  3. Add the dry ingredients: Stir in the flour and baking soda just until blended. Fold in the chocolate chips.
  4. Bake: Divide the batter evenly between each prepared loaf pan and bake for about 45 minutes, or until a toothpick inserted into the center comes out clean.
  5. Cool: Let the loaves cool in the pans for 30 to 45 minutes before removing and slicing.
collage chocolate chip banana bread.

Recipe Tips

  • Prepare your loaf pans: Grease with melted butter or line with parchment paper to prevent sticking and make removing the bread easy.
  • Use very ripe bananas: They add maximum moisture and sweetness. My favorite trick to ripen bananas faster is to place them in a paper bag for a day or two.
  • Mash bananas with a fork: Mash until mostly smooth for the best texture.
  • Do not overmix: Once the flour mixture is added, mix just until combined to avoid dense bread.
  • Prevent over-browning: If the tops brown too quickly, loosely cover with aluminum foil near the end of baking.
  • Cool before slicing: Let the bread cool completely on a wire rack so it holds together.
  • Extra chocolate chips: Sprinkle on top before baking for a bakery-style finish.
Slices of chocolate chip banana bread on a wooden board next to a glass of milk.

Frequently Asked Questions

How do you keep chocolate chips from sinking in banana bread?

This batter is thick enough to keep the chocolate chips from sinking, but you can toss them lightly in a little flour before adding them for extra help.

How ripe should the bananas be?

Use very ripe bananas with lots of brown spots. The darker they are, the sweeter and more flavorful your bread will be. If the bananas are yellow and firm, the bread will taste bland. Brown and a little mushy is perfect.

Why does the batter look lumpy after adding bananas?

That is completely normal. Mashed bananas never blend in perfectly smooth, and the small lumps help keep the bread moist. As long as the batter is mixed evenly, you are doing it right.

What size loaf pans should I use?

Standard 9×5 loaf pans work best. This recipe makes two loaves, so dividing the batter evenly helps them bake at the same speed.

Why did my bread take longer than 45 minutes to bake?

Every oven heats a little differently. Start checking at 45 minutes, but do not worry if yours needs more time. The bread is done when a toothpick inserted into the center comes out clean or with a few crumbs.

Why is my banana bread dry or soggy?

Dry bread usually means too much flour, and soggy bread often means too much banana. Measuring carefully helps keep the texture just right.

How do I know when banana bread is done baking?

Insert a toothpick into the center of the loaf. If it comes out clean or with a few crumbs, the bread is ready to come out of the oven.

Make Ahead & Storage Instructions

  • Make ahead: This banana bread is great for prepping in advance because it stays soft for days and freezes beautifully. Bake the loaves, let them cool all the way, and then store in the fridge or freeze for later.
  • Store: Keep the bread in an airtight container at room temperature for up to 3 days. For longer storage, wrap it in plastic wrap and refrigerate for about a week.
  • Reheat: Warm a slice in the microwave for 10 to 15 seconds if you like it soft and a little melty.
  • Freeze: Wrap each loaf tightly in plastic wrap, add a layer of foil, and store in the freezer for up to 3 months. Thaw it on the counter before serving.
Two slices of chocolate chip banana bread on a white plate with a fork.

More Banana Recipes You Might Enjoy

If you’ve tried this Chocolate Chip Banana Bread Recipe or any other recipe on my website, please leave a star rating and let me know how it turned out in the comments below.

Video

4.83 from 79 votes
Chocolate Chip Banana Bread sliced featured image

Banana Chocolate Chip Bread Recipe

Serves — 12
This Chocolate Chip Banana Bread Recipe is moist, easy to make, and packed with ripe bananas and melty chocolate chips. Makes two loaves, one to enjoy now and one to freeze for later.
Prep Time 10 minutes
Cook Time 45 minutes
Total Time 55 minutes

Ingredients
 

  • ¾ cup unsalted butter at room temperature
  • 1 ½ cups sugar
  • 2 eggs
  • 1 ⅓ tablespoons milk
  • 3 ripened bananas
  • 2 cups flour
  • 1 teaspoon baking soda
  • ½ bag chocolate chips totally your preference on how much you like

Instructions
 

  • Preheat oven to 350 degrees
  • In a large bowl, combine the sugar and the butter.  Use a mixer on low until combined.  
    3/4 cup unsalted butter, 1 1/2 cups sugar
  • Add eggs and blend.  
    2 eggs
  • Add milk and the bananas and mix for about 1 minute. The batter may look at little lumpy – that’s ok! 
    1 1/3 tablespoons milk, 3 ripened bananas
  • Add the flour and the baking soda and mix until blended. Fold in the chocolate chips.
    2 cups flour, 1 teaspoon baking soda, 1/2 bag chocolate chips
  • Spray 2 loaf pans with non-cook spray and divide the batter. Pour the batter into the two pans.
  • Bake for 45 minutes (mine took a little longer, but my ovens are not so great).  You should be able to take a knife or a toothpick inserted into the middle of the loaf and the they should come out clean.
  • Remove from the oven and let cool on a wire rack for about 30 – 45 minutes.  Remove from pan and serve 
  • (I serve one and freeze one… wrap in plastic wrap and then with tin foil and freeze)

Nutrition Info

Calories: 383kcal | Carbohydrates: 57g | Protein: 4g | Fat: 15g | Saturated Fat: 9g | Cholesterol: 60mg | Sodium: 114mg | Potassium: 141mg | Fiber: 1g | Sugar: 37g | Vitamin A: 445IU | Vitamin C: 2.6mg | Calcium: 30mg | Iron: 1.4mg
The best Chocolate Chip Banana Bread Recipe

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4.83 from 79 votes (54 ratings without comment)

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Comments

  1. I followed your recipe to a T this time, and they are in the oven baking right now. We shall see how they turn out 🙂 I put them into cupcake form this time though. I do think I will try the recipe again at a later date with less sugar. I am making them to put into kid’s school lunches, so the amount of sugar is a bit counter intuitive to what I want for them LOL. But, I’ll put it in as a desert for now. Thank you 🙂

  2. Mine is baking right now. I did add the mini chips and little vanilla. This seems pretty rich, but that is just fine with my family. I doubled the recipe and got three loaves out of the batch. I have made 4 different kinds in two weeks to put in the freezer for fall. This really is a great recipe.

    1. Sorry, I am replying to myself. It is out of the oven and is really great! I make all my own stuff like that because my daughter is allergic to all nuts, some seeds, and oils. This was pretty fast and easy and will be something I can put in her lunch for school. Her review is that it is very sweet and wonderful. I am very happy to have another recipe to put in the book!

  3. This recipe is a keeper, thank you!

    It smells so good! I tried it today and going to bring some for a morning baby shower!
    Yum!

  4. Thanks for linking up to the Tip Me Tuesday linky party! {knuckle bumps} Did you know that I can “lend” your blog posts my Google page rank for better search engine traffic? {fabulous} If you upload at least 2 images, 2 steps, and blog post URL into your Tip Junkie craft room, you’ll be in business! {wink} ~ Laurie {a.k.a. the Tip Junkie}

  5. Hi there Jenn!!! I am so excited to share with you that this week your Chocolate Chip Banana Bread is a favorite feature over at Nibble’s By Nic Wonderfully Creative Wednesday!!! I just adore banana bread and the chocolate chips brings it to a whole new level!!! Thanks so much for coming and hope to see you this week with your fantastic nibbles!! Warmest, Nic

  6. I just made this recipe and it turned out delicious! I was so pleased that it took the amount of time to bake as specified and it rose evenly and not high in the middle that is so hard to bake through without over baking! This recipe is going in my recipe box as a keeper. Thanks for sharing we love it!

  7. Hi, The bread sounds good but I would never make it this way, it just isn’t healthy. I’ve followed a controlled carb program for over 10 years and try to limit sugar. I make banana bread but I would only use a bit of almond flour (lower in carbs) or whole wheat flour, never white flour which is terrible for you. And this bread does NOT need a cup and a half of sugar! That is so bad for you. I only use a bit of honey for sweetener–no more than a couple of tablespoons. It is more than enough sweetener with the bananas which are already high in sugar. And also our bodies metabolize honey much better than regular sugar. I have a healthier banana bread recipe on my homepage if you want to check it out.

    1. Cindybin – thanks for the suggestions – always looking for healthy alternatives!! I will check out your site!

    2. Actually, honey is just a natural sugar syrup, mainly fructose and glucose. Your body processes it pretty much the same as any other sugar solution.
      And I wouldn’t presume to lecture someone on the healthiness or not of their recipe.

      1. 5 stars
        The author replied beautifully I’d say… my mouth dropped after reading that persons reply lol

      2. EC, If Cindybin were suggesting 1.5 cups of honey instead of 1.5 cups of sugar, I would agree with you. However, part of her point is that her taste buds do not require 1.5 cups of any sweetener, be it sugar OR honey, to be added to banana bread.

        So, yes, honey does metabolize similarly to sugar, however, most sugar has been processed so that the minerals and nutrients have been removed and then it has been bleached; I believe bleach is a Carcinogen, taken internally. In this sense, I find her point well taken. And, I still see the main point as being that, in Cindybin’s opinion, 1.5 cups of sweetener is way over the top.

        In using a small quantity such as Cindybin’s 2 TBSPs of honey, it doesn’t really matter whether one uses honey or sugar.

    3. I appreciate all your suggestions, but I don’t think it is your place to tell the readers what is and isn’t good for them. It is pretty obvious that if made, it is an indulgence and the baker and eater’s choice. No one is ignorant to the fact that too much sugar and fat is bad for our health.

    4. LOL Why would a person comment on someone’s recipe that she ‘would never make it this way’???? I just literally snort laughed! Move on and just go about your day. Had you been positive and said something nice, then MAYBE I’d go visit your blog, but since I see how harsh you’ve been to the author of this blog, I won’t.

      Made this recipe and it’s fabulous! Is it as healthy as a bunch of broccoli? No. Will I eat this every day? No. Will I treat myself, my mom, and my family with it today and from time to time? ABSOLUTELY! Thank you for the fantastic keeper of a recipe! 🙂 Found it on Pinterest on a pin that has been re-pinned over 2000 times! Evidently, a TON of people think it’s fabulous, too! Congrats!

      1. Made me laugh too! I hate those health nuts that visit blogs and proceed to give their unwanted advice and recipes to those who are simply looking for a dessert and force their lifestyle on others.
        She was condescending and rude! I’m about to make this bread and enjoy every, last bite. 🙂

      2. 5 stars
        I literally got up and started looking for the ingredients, and I have everything!!! It’s in the oven now…⏲ I have a question, I don’t usually bake but I realize it doesn’t have any baking powder that’s ok right?

    5. I love this recipe. No food is ‘bad’ for you. Healthy eating is based on being able to eat a balance of everything, without physical and psychological deprivation.

  8. I have a simular recipe, and cannot make this unless it’s to share–I could eat the whole loaf myself. One tip I’d like to pass along…..I use mini- choc chips. They seem to” float” better in the batter, and the bread is more uniform. Happy baking! Here’s my recipe~
    ! cup sugar
    1 egg
    1/2 cup butter
    1 cup mashed bananas
    3 TBSP milk
    2 cups flour
    1 tsp baking powder
    1/2 tsp baking soda
    1 cup choc chips
    350* 1 hour 1 loaf