Chocolate and banana are one of the most beloved flavor combinations in baking, bringing together natural sweetness and deep, rich cocoa notes in a way that feels both indulgent and comforting. These Chocolate Banana Muffins with a Creamy Chocolate Center are the perfect treat for breakfast, dessert, or even a midday snack. They are soft, moist, and packed with flavor, making them ideal for using ripe bananas that might otherwise go to waste.
The natural sweetness of bananas allows you to reduce added sugar while still maintaining a deliciously rich taste. The addition of cocoa powder transforms classic banana muffins into a chocolate lover’s dream, while the melted chocolate center adds a surprise burst of creamy texture inside every bite. These muffins are easy to prepare, require simple ingredients, and are perfect for both beginners and experienced bakers. Whether you are baking for family, guests, or just treating yourself, this recipe guarantees bakery-style muffins with minimal effort.
📝 Ingredients
For the Muffin Batter:
- 3 ripe bananas (mashed)
- 2 eggs
- ½ cup sugar (or brown sugar for deeper flavor)
- ⅓ cup vegetable oil or melted butter
- 1 teaspoon vanilla extract
- 1 ½ cups all-purpose flour
- ¼ cup unsweetened cocoa powder
- 1 teaspoon baking powder
- ½ teaspoon baking soda
- ¼ teaspoon salt
- ¼ cup milk
For the Chocolate Center:
- ½ cup chocolate spread or melted chocolate
- Optional: chopped nuts or chocolate chips for topping
👨🍳 Instructions
Step 1: Prepare the Oven
- Preheat your oven to 180°C (350°F).
- Line a muffin tin with paper liners or lightly grease it with oil or butter.
Step 2: Prepare the Banana Mixture
- Peel the ripe bananas and place them in a large bowl.
- Mash them thoroughly using a fork until smooth and creamy.
- Add eggs, sugar, oil (or melted butter), and vanilla extract.
- Mix well until fully combined.
Step 3: Mix Dry Ingredients
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In a separate bowl, whisk together:
- Flour
- Cocoa powder
- Baking powder
- Baking soda
- Salt
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Slowly add the dry mixture to the banana mixture.
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Pour in the milk and gently stir until you get a smooth batter. Do not overmix.
Step 4: Fill Muffin Cups
- Spoon batter into muffin cups, filling each about halfway.
- Add 1 teaspoon of chocolate spread or melted chocolate in the center of each muffin.
- Cover with a little more batter until cups are about ¾ full.
- Sprinkle nuts or chocolate chips on top if desired.
Step 5: Bake the Muffins
- Bake for 18–22 minutes or until a toothpick inserted near the edge comes out clean.
- Remove from oven and allow muffins to cool for 5–10 minutes before removing from the tray.
🍽️ Serving Suggestions
- Serve warm for a melted chocolate center.
- Pair with coffee, tea, or milk.
- Dust lightly with powdered sugar for a decorative finish.
💡 Tips for Perfect Muffins
- Use very ripe bananas for maximum sweetness and moisture.
- Do not overmix the batter to keep muffins soft and fluffy.
- Store muffins in an airtight container for up to 3 days or freeze for longer storage.

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