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Chocolate Chip Banana Bread

What’s better than having a slice of a classic moist banana bread loaded with sweet ripe bananas??? Moist banana bread loaded with sweet bananas, chocolate chips, and walnuts.

Banana Bread with chocolate chips and walnuts.

Banana bread is one of the most well-loved breads in the whole world. Ok, I am not entirely sure of that, but in my world, it is a favorite. It is easy to make and very practical as it gives those forgotten bananas that turned overly ripe and spotty a second chance.

Yes, I am a very huge fan of moist banana bread with soft cake-like crumbs and I’ve baked countless of them throughout the years. But I just recently discovered a secret that brought my banana bread game to a whole new level.

Notes on some of the Ingredients

ingredients for banana bread


You would like to use overripe bananas as they are much sweeter with more intense flavor. If you cannot wait for your bananas to ripen roll them in a paper bag and leave them in a warm area for a day or two. If you need them now then there is a hack. Line unpeeled bananas on a lined baking sheet and bake on a preheated oven at 150°C. The time may vary from 15 to 30 minutes. You know it is “ripe” when the skins turn brown.

Oil or Butter for Banana Bread?

There are several recipes out there that use butter in their banana bread recipe. This is a decision each one of us has to make and I for one am partial to using oil in this case. Butter will, of course, add that rich flavor to the bread. But you can only really achieve that moist but light texture when you use oil.


Adding nuts is not a must but it certainly is very much recommended (and appreciated). It adds that bite and if added on top it gives an extra crunch when baked. The most popular choices are walnut and pecan. If you are in the mood to rebel, other nuts like pistachio, hazelnut, macadamia or cashew also go well with this bread.


I normally use buttermilk when making this bread as it adds that tangy flavors. The other reason is because of its acidic content that tenderizes gluten which will give you softer crumbs. If you don’t have it just mix milk with lemon juice and that is it. You can also substitute yogurt. It is also an important ingredient because you need acid for the baking soda to react and create carbon dioxide that will allow the bread to rise.

Moist banana breaf loaf with walnuts and chocolate chips

The secret to the best banana bread

Since there are probably thousands of banana bread recipes out there, it is really difficult to know which one is the best. But I guess that depends on one’s preference and taste. I’ve also tried many different recipes but I came across one that gave me the idea of adding banana slices in addition to the mashed bananas.  These are added at the last stages of folding the other ingredients to the thick batter.

Sliced banana bread with walnuts and chocolate chips.

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Chocolate Chip Banana Bread
5 from 3 votes

Best Chocolate Chip Banana Bread

What's better than having a slice of a classic moist banana bread loaded with sweet ripe bananas??? Moist banana bread loaded with sweet bananas slices, chocolate chips, and walnuts.
Print Rate
Course: Breakfast,Dessert,Snack
Cuisine: American
Keyword: banana bread,banana loaf,banana nut bread,chocolate chip banana bread
Servings: 10
Calories: 385kcal
Author: Bebs
Prep Time: 15 minutes
Cook Time: 40 minutes
Total Time: 55 minutes


  • 4 medium overripe bananas
  • 3/4 cup milk
  • 2 tablespoon lemon juice
  • 1 cup oil
  • 1 teaspoon salt
  • 1 cup brown sugar - - compressed
  • 2 medium eggs
  • 2 teaspoon vanilla extract
  • 1 teaspoon baking soda
  • 2 cups cake flour - - or all-purpose flour
  • 3/4 cup walnuts - -chopped
  • 3/4 cup chocolate chips


  • Preheat oven to 180°C / 360°F. Then grease and line a 1x4in loaf pan or two 5x4in pans with parchment paper long enough that it leave an excess hanging out at the sides. Set aside.
  • Peel the bananas and place 3 of them in a bowl. Mash the bananas using a fork or electric hand mixer until mashed but still lumpy. Take the other banana and cut into thin slices and set aside.
  • In a small bowl, combine milk and lemon juice to make buttermilk. You can also use buttermilk if you have it.
  • In a large bowl, mix the sugar and oil using a whisk or electric mixer. Add the eggs one by one and vanilla extract and beat until the mixture becomes smooth.
  • Next, pour in the buttermilk and mashed bananas to the mixture and whisk until well blended.
  • Add the flour, baking soda and salt and mix again until well blended and smooth.
  • Lastly, add 1/2 cup chopped walnuts, 1/2 cup chocolate chips, and the banana slices to the batter. Fold them together using a spoon or spatula until well distributed.
  • Pour the batter into the prepared pan. Tap it several times to release trapped bubbles and even the batter out. Place the pan at the middle rack and bake for 40-50 minutes or until an inserted toothpick comes out clean.
  • take it out of the oven and let it cool down enough to handle. Lift the excess parchment paper on the side to lift the banana loaf bread out of the pan.
  • Slice and serve while still warm.


Nutrition Facts
Best Chocolate Chip Banana Bread
Amount Per Serving
Calories 385 Calories from Fat 117
% Daily Value*
Fat 13g20%
Saturated Fat 3g15%
Cholesterol 36mg12%
Sodium 379mg16%
Potassium 302mg9%
Carbohydrates 63g21%
Fiber 3g12%
Sugar 37g41%
Protein 7g14%
Vitamin A 143IU3%
Vitamin C 5mg6%
Calcium 76mg8%
Iron 2mg11%
* Percent Daily Values are based on a 2000 calorie diet.
Tried this recipe? Tell us how it went. Tag us at @foxyfolksy or leave a comment and rating below.




Bebs here! I love to cook and try new things and DIY projects! And although I think of myself as a homebody, I like seeing other places from time to time.
If you are looking for a recipe and it ain't here, make a request and I will try my best to make it for you!

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  1. i tried the recipe unfortunately using baking powder instead of baking soda.. 🙁 I baked them for 50mins.. i wonder if this is the reason why they turned out so pale? and sort of not quite cooked inside.

    1. Hi Sandra, if you like it darker then use really dark brown sugar. But yes, baking soda will give you a darker outer crust. You may need to bake it longer though if the middle is still uncooked.

    1. If you have cornstarch then you can make cake flour. For every cup APF, replace 2 tablespoons with cornstarch. If you don’t have it then sure APF will have to do but it might be a little denser.

  2. 5 stars
    Great recipe!!! The bread was very moist and tasted really good. I only had one problem. After it cooled down, I noticed that the bread sort of flattened a little in the middle. I wonder why it turned out that way? Thanks!

  3. 5 stars
    First time to use our oven with this recipe. Thank you! It turned out really good. My husband and daughter loved it. Thanks for the so yummy choco chip banana bread! 😋

  4. I love how moist the cake turned out! This is now my favorite banana bread recipe! On the other hand, my husband didn’t like the banana slices but that probably comes down to personal preference.

    Any chance you can make a recipe for a crunchy topping, similar to that of Red Ribbon’s banana bread? 😊

    1. Hi Michelle, try mixing together 1/2 cup flour, 1/4 cup sugar, 1/4 cup softened butter and sprinkle it on top of the batter before baking.

  5. What type of banana do you recommended? Most people say Bungulan is the best for banana bread and others are just sort of bland

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