Chocolate Chunk Banana Bread

My chocolate chunk banana bread is moist, soft, and fluffy, with a rich flavor and chunks of chocolate in every bite.

This egg-free recipe comes together with just 10 simple ingredients and is a great way to use up overripe bananas and leftover chocolates from Easter or Christmas. The sweetness is just right, and the flavors are perfectly balanced, making it a hit with all ages. Whether for breakfast, a lunchbox treat, or a quick snack, this bread fits any occasion. Enjoy it warm with a little butter and a hot cup of coffee!

What I love about this moist chocolate chunk banana bread recipe—besides the fact that it’s a great way to use up overripe bananas and leftover chocolates—is how simple it is to make. No fancy equipment, no complicated techniques—just mix, pour, and bake! Even if you’re new to baking, this is one of those foolproof recipes that comes out great every time.

So why this recipe? Because it strikes the perfect balance between indulgence and everyday comfort. The butter and milk add richness, the bananas keep it naturally moist, and those melty chocolate chunks make each bite extra special. It’s sweet but not overly so, meaning you can enjoy it as a snack, dessert, or even breakfast without a second thought.

This chocolate chunk banana bread is also a fantastic weekend baking project—easy enough for kids to help with and delicious enough to disappear quickly! And if you somehow manage to have leftovers, they stay fresh for days or freeze beautifully for later. Once you try this banana bread, you’ll see why it’s a keeper.

If you’re in the mood for more easy bakes, check out this vegan banana pumpkin bread or maybe even these pancakes without eggs for a weekend breakfast.

Allergens free labels

As with all of my other recipes, this one too is egg-free. It is also:

• nut-free
• soy-free

Do check your chocolate and other ingredients to make sure that they are free of nuts.

Check out the section below for variations such as adding nuts.

Disclaimer: Our content aims to be informative and educational, but it should not replace professional medical advice. Since manufacturing processes can vary and cross-contamination is possible, it's essential to verify product labels and allergen information. Make sure all ingredients align with your specific allergies. As readers, you bear the responsibility for ensuring allergen safety when buying or consuming foods.

Recipe Overview

Ease: This chocolate chunk banana bread is my kind of stress-free baking—simple, delicious, and packed with flavor! As it bakes, your kitchen will be filled with the irresistible aroma of bananas and chocolate. The hardest part? Waiting for it to cool before slicing into that soft, chocolate-studded goodness—but trust me, it’s worth it.

Flexibility: What I love about this recipe is its flexibility. Add nuts, switch up the chocolate, or use up those festive chocolate bars sitting in your cupboard. See the section below for more ideas.

Flavors: I like a deep banana flavor, so I weigh the bananas after peeling them. I also like a deeper vanilla flavor so I use extract and not essence.

Technique: The key here is creaming butter and sugar to give the bread a light, fluffy texture. Milk and butter keep it moist, and breaking the chocolate into smaller chunks ensures melty bits in every bite.

Baking: For a perfectly golden top and a moist texture, I bake the bread until a toothpick inserted in the center comes out with just a few moist crumbs. Then, I let it rest in the switched-off oven for a few more minutes—this helps it finish setting without the risk of drying out.

Storage: This bread stores beautifully! Keep slices ready for a quick breakfast, freeze a loaf for later, or warm up leftovers (if there are any!).

Ingredients and Equipment

For the complete list of ingredients, their exact quantities, and the full instructions, scroll down to the printable recipe card below.

• Bananas: Well-ripened ones work best for this recipe—the more black patches, the better!
• Chocolate: I used a milk chocolate bar, but you can use any chocolate you have on hand or any leftover chocolate bars. Chocolate chips work too. See the "variations" section below for more on this.
• All-purpose flour: Just plain white flour. If you have extra, use it to make some delicious bullet naan.
• Milk: Whole, full-fat milk works best for this recipe. Low-fat milk may alter the richness of the bread.
• Butter: I used unsalted butter, but if you have salted butter, that works too—just check the notes below for adjustments. Got extra butter? Make this comforting buttered rice.
• Sugar: I used raw cane sugar. You can use light brown sugar or whatever you typically use.
• Vinegar: This helps activate the baking soda. I used apple cider vinegar, but regular vinegar works just as well.
• Baking essentials: You’ll need vanilla extract (or essence), baking powder, baking soda (soda bicarb), and a pinch of salt.

If you have any questions regarding these ingredients, feel free to ask in the comments section below and I will try my best to answer them for you.

Instructions

Start by preheating the oven to 320℉ (160℃) fan. Measure all the ingredients. Melt the butter. Grease the loaf pan with butter. You can line the pan with parchment paper instead if you prefer.

Place the melted butter and sugar in a wide bowl. Using a manual or electric whisk, whisk them until you get a thick paste-like mixture.

To this add the bananas and mash them with a fork, spoon, or a masher. Add the remaining wet ingredients - milk, vanilla extract, vinegar. Mix.

Note: Do not mash the bananas in a blender as they will become soupy. It is ok to have some lumpy banana bits in the batter.

Now add the chocolate chunks and the dry ingredients - the flour, baking agents, and salt. Gently mix with a spatula until the flour is mixed well.

Tip the batter into a greased loaf tin. Bake for 35-40 minutes or until a toothpick, when inserted in the deepest part of the bread, comes out clean.

Since every oven is different, I recommend setting the first timer for 30 minutes. Check the bread at that point, then set the timer for the second time and bake for another 5–10 minutes, depending on how it looks.

Switch off the oven and let the bread stay in the oven for 5 minutes.

After 5 minutes in the hot oven, take the bread out and let it cool completely. Once cooled, slice and serve.

Recipe Notes

Butter: If using salted butter, skip adding extra salt.

Sugar: If using dark chocolate, add 1–2 extra tablespoons of sugar or leave it as is for a slightly less sweet loaf.

Bananas: For a stronger banana flavor weigh them after peeling. If weighed with the peel, you'll have 30g to 50g less banana, but this won’t affect the texture.

Flour: I gently pack the flour into the cup, which results in a slightly heavier measurement than the standard U.S. cup (120g). For accuracy, use weight—too little flour makes the bread too soft, while too much can make it dense.

Recipe tips

Use well-ripened bananas—I cannot stress this point enough! This recipe relies on the natural sweetness of ripe bananas, so make sure to use well-ripened ones—the more black spots, the better!

Avoid over-mixing the batter. Over-mixing can cause the bread not to rise properly. Use a spatula and gently mix until all the dry ingredients are combined with the wet ingredients.

Let the bread rest in the oven—this step is crucial. At the end of the baking time, even if a toothpick comes out clean, there might still be the slightest bit of moisture. Resting the bread in the oven for 5 more minutes will help set it.

Cool the bread completely before slicing. I suggest letting it cool for at least 30 minutes. First, let the bread cool in the tin, then gently remove it and place it on a cooling rack.

Mash the bananas manually, not in a blender—you’ll end up with a soupy banana mixture, which won’t work for this recipe. Just mash with the back of a spoon or a fork. It’s perfectly fine to have a few lumps of banana in the batter.

More chocolate? Feel free to add up to an extra 25g of chocolate. Just keep in mind that the bread might become a bit sweeter. To balance this, you can use dark chocolate instead.

Padma's top tip: Whisk the butter and sugar together—this process, known as creaming, ensures the bread has a light, fluffy texture and a tender crumb.

Variations

Add nuts: If you love nuts and they love you back, toss in your favorites! Pecans and walnuts pair beautifully with the banana and chocolate flavors. Or, for an extra indulgent twist, use nutty chocolate chunks.

Chocolate chips instead of chunks: Prefer chocolate chips? No problem! Swap in milk or dark chocolate chips, depending on how sweet or rich you’d like your bread to be, and voila! you will have made banana and chocolate chip bread!

Don't have a loaf pan? No worries! Turn this batter into muffins instead. This recipe makes about 10 regular-sized muffins, which will bake in 25 to 30 minutes. Set a timer for 20 minutes, check for doneness, and bake for a few more minutes if needed.

Storage and reheating

Room temperature: Wrap the bread in plastic wrap or store it in an airtight container, but since it contains dairy, keep it out for only a day.

Fridge: Let the bread cool completely before wrapping it tightly or storing it in an airtight container to retain moisture and avoid fridge odors. For easy access, wrap slices individually or use a ziplock bag. It stays fresh for 5-7 days.

Reheating: Microwave a slice for 15-20 seconds to bring back its warm, soft texture and melty chocolate.

FAQ

How to serve this bread

Serving this chocolate chunk banana bread is just as fun as baking it! Enjoy it warm with melting butter, pair it with coffee or tea, or take it up a notch with a scoop of vanilla ice cream. However you serve it, it won’t last long!

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