What makes this banana chocolate chip cake so moist?

Using very ripe bananas, a combination of butter and oil, and yogurt or milk helps create a soft and tender texture. These ingredients ensure every bite of this moist banana chocolate chip cake is flavorful and rich.

Can I make an eggless banana chocolate chip cake?

Yes! Replace eggs with flax eggs, chia seeds, or yogurt to make a banana chocolate chip cake eggless without sacrificing taste or texture.

What is the best banana chocolate chip cake for frosting?

A banana chocolate chip cake with oil or extra butter holds frosting well. Cream cheese or chocolate ganache pairs beautifully with this cake for added richness.

Is there a simple banana chocolate chip cake recipe for beginners?

Absolutely. This easy banana chocolate chip cake recipe uses minimal ingredients, simple steps, and produces an easy moist banana chocolate chip cake that anyone can bake successfully.

Banana Chocolate Chip Cake – Moist & Easy Recipe 2026

Name: Banana Chocolate Chip Cake
Prep time: 20 min
Cook time: 60 min
Total time: 80 min
Yield: 8-10 servings
Cuisine: American
Ingredients: 2 cups all-purpose flour; 1 tsp baking soda; ½ tsp salt; ½ cup unsalted butter, softened; ½ cup vegetable oil (or substitute with all butter); ¾ cup brown sugar; ¼ cup granulated sugar; 2 large eggs (or flax eggs for eggless version); 1 tsp vanilla extract; 3 ripe bananas, mashed (about 1 ½ cups); ½ cup plain yogurt or milk; 1 cup chocolate chips; Optional Frosting:; 8 oz cream cheese, softened; ½ cup unsalted butter, softened; 2 cups powdered sugar; 1 tsp vanilla extract; 1–2 tbsp milk to adjust consistency

Description

A soft, moist banana chocolate chip cake packed with ripe bananas and chocolate chips. Perfect for breakfast, snack, or dessert, this easy-to-make cake can be enjoyed plain, frosted, or topped with a drizzle of chocolate.

Ingredients

Scale

🛒 Ingredients (for one 9-inch round cake):

For the Cake:

2 cups all-purpose flour
1 tsp baking soda
½ tsp salt
½ cup unsalted butter, softened
½ cup vegetable oil (or substitute with all butter)
¾ cup brown sugar
¼ cup granulated sugar
2 large eggs (or flax eggs for eggless version)
1 tsp vanilla extract
3 ripe bananas, mashed (about 1 ½ cups)
½ cup plain yogurt or milk
1 cup chocolate chips

For Optional Frosting:

8 oz cream cheese, softened
½ cup unsalted butter, softened
2 cups powdered sugar
1 tsp vanilla extract
1–2 tbsp milk to adjust consistency

Instructions

📝 Instructions:

Step 1: Preheat and Prepare Pan
Preheat oven to 350°F (175°C). Grease and flour a 9-inch round cake pan or line with parchment paper.

Step 2: Mix Dry Ingredients
In a medium bowl, whisk together flour, baking soda, and salt. Set aside.

Step 3: Mix Wet Ingredients
In a large bowl, cream butter, oil, brown sugar, and granulated sugar until fluffy. Beat in eggs one at a time, then add vanilla. Stir in mashed bananas and yogurt/milk.

Step 4: Combine and Fold
Gradually fold dry ingredients into wet mixture until just combined. Gently fold in chocolate chips.

Step 5: Bake
Pour batter into prepared pan and smooth the top. Bake 50–60 minutes, or until a toothpick inserted in the center comes out clean. Cool completely on a wire rack.

Step 6: Frost (Optional)
For frosting, beat cream cheese and butter until smooth. Add powdered sugar and vanilla; mix until creamy. Adjust consistency with milk. Spread over cooled cake.

Notes

Moist Cake Tip: Use very ripe bananas; they add natural sweetness and moisture.
Eggless Version: Replace each egg with 1 tbsp flaxseed meal + 3 tbsp water.
Chocolate Chips: Reserve a few to sprinkle on top for decoration.
Make Ahead: Bake a day ahead and frost before serving.

Prep Time: 10 minutes
Cook Time: 30–35 minutes
Category: Dessert / Cake
Method: Baked
Cuisine: American