I still remember the first time I tried chocolate banana bread. I had a bunch of overripe bananas sitting on my counter, begging to be used, but I wanted something more indulgent than the usual banana bread. That’s when I decided to add rich cocoa powder and melty chocolate chips to the mix—and it was a game-changer. The result was a moist, chocolate-packed loaf that felt like a dessert but was just as acceptable for breakfast.
If you’re new to baking, this chocolate banana bread recipe is perfect for you. It requires simple ingredients, one mixing bowl, and no fancy techniques. Plus, it’s a fantastic way to use up bananas that are past their prime. Whether you’re making this as a treat for yourself, a special breakfast, or a thoughtful homemade gift, this recipe is sure to become a staple in your kitchen.

Why This Recipe is Special
- Rich Chocolate Flavor – The combination of cocoa powder and chocolate chips makes this banana bread irresistibly fudgy.
- Incredibly Moist – Thanks to ripe bananas, butter, and oil, this loaf stays soft for days.
- Beginner-Friendly – No need for a mixer; you can make this with just a bowl and a spoon.
- Versatile & Customizable – You can tweak it to suit your dietary preferences or add extra mix-ins like nuts or peanut butter.
Ingredients and Their Roles
- Bananas – The key ingredient! Overripe bananas add natural sweetness and moisture.
- All-Purpose Flour – Provides structure to the bread. You can substitute with whole wheat flour for a healthier option.
- Cocoa Powder – Dutch-process cocoa gives an intense chocolate flavor, but you can use regular cocoa powder too.
- Chocolate Chips – These melt into the bread, adding bursts of chocolate in every bite.
- Brown Sugar – Keeps the bread soft and adds a caramel-like sweetness.
- Egg – Helps bind the ingredients together.
- Unsalted Butter & Oil – A combination of both makes the bread rich and tender. Use melted coconut oil for a dairy-free alternative.
- Baking Soda – Acts as a leavening agent, helping the bread rise.
- Sea Salt – Enhances the chocolate flavor and balances sweetness.
- Vanilla Extract – Adds depth to the flavor profile.
Optional Add-Ins:
- Nuts – Walnuts or pecans add a nice crunch.
- Peanut Butter Chips – A great alternative to chocolate chips.
- Espresso Powder – Intensifies the chocolate flavor.
Step-by-Step Instructions
Step 1: Preheat your oven to 350°F (175°C) and grease a 9×5-inch loaf pan with nonstick spray or butter.
Step 2: In a medium bowl, whisk together the flour, cocoa powder, baking soda, and salt. Set aside.
Step 3: In a large mixing bowl, mash the bananas with a fork until mostly smooth. Add the melted butter, oil, brown sugar, egg, and vanilla extract, then stir until well combined.
Step 4: Gently fold the dry ingredients into the wet mixture, stirring until just combined. Be careful not to overmix, as this can make the bread dense.
Step 5: Stir in ¾ cup of chocolate chips, reserving the rest for topping.
Step 6: Pour the batter into the prepared loaf pan and sprinkle the remaining chocolate chips over the top.
Step 7: Bake for 50-60 minutes, or until a toothpick inserted into the center comes out mostly clean (a little melted chocolate is fine, but no wet batter).
Step 8: Let the bread cool in the pan for 15 minutes before transferring it to a wire rack. Allow it to cool completely before slicing.
Beginner Tips and Notes
- How to Know When It’s Done: The bread should feel firm to the touch, and a toothpick inserted in the center should come out with just a few crumbs.
- Avoid Overmixing: Stir the batter just until the ingredients are combined—overmixing can make the bread tough.
- Ripening Bananas Quickly: If your bananas aren’t ripe enough, bake them at 300°F (150°C) for 10-15 minutes until they turn black.
- Storage: Keep the bread wrapped in plastic wrap or in an airtight container at room temperature for up to 4 days.
Serving Suggestions
- For Breakfast: Toast a slice and spread it with peanut butter or almond butter.
- For Dessert: Serve warm with a scoop of vanilla ice cream or a drizzle of caramel sauce.
- For a Snack: Pair with a cup of coffee or hot chocolate for an afternoon pick-me-up.
Try It and Share Your Thoughts
I hope you love this easy chocolate banana bread as much as I do! It’s a foolproof recipe for beginners, packed with chocolate flavor and perfect for any time of day. If you try this recipe, let me know in the comments how it turned out. Did you add any fun twists? I’d love to hear your ideas!
Happy baking!
FAQ About Chocolate Banana Bread
Yes, but Dutch-process cocoa gives a richer, more intense chocolate flavor. If using natural cocoa powder, your bread may have a slightly different taste and texture.
Insert a toothpick into the center; if it comes out with a few crumbs (but no wet batter), it’s done. If you hit a chocolate chip, test another spot to be sure.
Yes! Substitute the butter with melted coconut oil or a neutral vegetable oil, and use dairy-free chocolate chips.
This could be due to overbaking, overmixing the batter, or not using enough mashed banana. Be sure to measure accurately and check your oven temperature.
More Relevant Recipes
- Hot Cocoa Peppermint Cookies Recipe
- The Ultimate Beginner’s Guide to Easy Banana Bread
- The Best Banana Bread Cookies

Decadent Chocolate Banana Bread
- Total Time: 1 hour
- Yield: 12 slices 1x
Description
This ultra-moist chocolate banana bread is packed with rich cocoa flavor, melty chocolate chips, and naturally sweet overripe bananas. Perfect for breakfast, a snack, or dessert, this easy one-bowl recipe is beginner-friendly and guaranteed to satisfy any chocolate lover.
Ingredients
- 1 cup all-purpose flour
- ½ cup Dutch-process cocoa powder
- 1 teaspoon baking soda
- ½ teaspoon sea salt
- 1 ½ cups mashed overripe bananas (about 3 large bananas)
- ¼ cup unsalted butter, melted and slightly cooled
- ¼ cup canola or vegetable oil (or melted coconut oil)
- ¾ cup packed light brown sugar
- 1 large egg, at room temperature
- 1 teaspoon pure vanilla extract
- 1 cup semisweet chocolate chips, divided
Instructions
- Preheat the oven and prepare the pan: Set your oven to 350°F (175°C). Grease a 9×5-inch loaf pan with nonstick spray or butter and set it aside.
- Mix the dry ingredients: In a medium bowl, whisk together the flour, cocoa powder, baking soda, and sea salt to ensure even distribution.
- Mash the bananas and combine the wet ingredients: In a large mixing bowl, mash the overripe bananas with a fork until mostly smooth. Add the melted butter, oil, brown sugar, egg, and vanilla extract, stirring until fully combined.
- Combine the wet and dry ingredients: Gently fold the dry ingredients into the wet mixture, stirring just until no streaks of flour remain. Be careful not to overmix, as this can make the bread dense.
- Fold in the chocolate chips: Stir in ¾ cup of the chocolate chips, reserving the remaining ¼ cup for topping.
- Transfer the batter and bake: Pour the batter into the prepared loaf pan, spreading it evenly. Sprinkle the reserved chocolate chips over the top. Bake for 50-60 minutes, checking for doneness with a toothpick. It should come out with a few crumbs but no wet batter.
- Cool before slicing: Let the bread cool in the pan for 15 minutes, then transfer it to a wire rack to cool completely before slicing.
Notes
- Ripen bananas quickly: If your bananas aren’t ripe enough, bake them at 300°F for 10-15 minutes until the skins blacken.
- Add-ins for variety: Try mixing in nuts, peanut butter chips, or a teaspoon of espresso powder for an extra flavor boost.
- Storage tips: Keep at room temperature for up to 4 days, or freeze for longer storage.
- Prep Time: 10 minutes
- Cook Time: 50 minutes
- Category: Dessert, Snack
- Method: Baking
- Cuisine: American
Nutrition
- Serving Size: 1 slice
- Calories: 311
- Sugar: 25g
- Sodium: 201mg
- Fat: 15g
- Saturated Fat: 8g
- Unsaturated Fat: 7g
- Trans Fat: 0g
- Carbohydrates: 39g
- Fiber: 4g
- Protein: 4g
- Cholesterol: 25mg