
This moist double chocolate banana muffin recipe transforms overripe bananas into bakery-quality treats that will satisfy any chocolate craving. The combination of cocoa powder and chocolate chips creates an indulgent texture while the banana adds natural sweetness and keeps each bite perfectly tender.
I developed this recipe during a rainy weekend when my family was craving something special but I didn't want to make a store run. These muffins have become our go-to chocolate fix ever since, appearing at everything from breakfast to midnight snacks.
Ingredients
- All purpose flour: Provides the perfect structure without being too heavy
- Dutch process cocoa powder: Offers a deeper chocolate flavor than regular cocoa
- Granulated sugar and light brown sugar: Combine for the ideal sweetness and moisture
- Baking powder and soda: Ensure a perfect rise and tender crumb
- Fine salt: Enhances all the flavors especially the chocolate
- Instant espresso powder: Optional but amplifies the chocolate flavor without tasting like coffee
- Ground cinnamon: Optional, adds a subtle warmth that complements the banana
- Very overripe bananas: Provide natural sweetness and moisture plus stronger banana flavor
- Sour cream: Adds richness and helps create a tender texture
- Eggs: Bind everything together while adding structure
- Vegetable oil: Keeps the muffins moist longer than butter would
- Vanilla extract: Rounds out all the flavors
- Semisweet chocolate chips: Create pockets of melted chocolate throughout
- Mini chocolate chips for topping: Give a beautiful finish and extra chocolate hit
Step-by-Step Instructions
- Preheat and Prepare:
- Heat your oven to 425°F which helps create those beautiful domed tops. Line your muffin tins with 17 paper liners. The high initial temperature creates steam that helps the muffins rise quickly before setting.
- Mix Dry Ingredients:
- Whisk together flour, cocoa powder, both sugars, baking powder, baking soda, salt, and optional espresso powder and cinnamon. Breaking up any lumps now ensures a smooth batter later. This thorough mixing distributes the leavening agents evenly.
- Combine Wet Ingredients:
- Stir together the mashed bananas, room temperature sour cream, lightly beaten eggs, oil, and vanilla in a separate bowl. Using room temperature ingredients helps them incorporate more easily and results in a more even texture.
- Fold Together:
- Gently fold the wet ingredients into the dry ingredients just until barely combined. Then carefully fold in the chocolate chips. The key is minimal mixing to prevent developing too much gluten which would make the muffins tough.
- Fill and Top:
- Divide the batter among your prepared muffin tins filling each to about three quarters full. This gives them room to rise without overflowing. Sprinkle about a teaspoon of mini chocolate chips on top of each muffin for extra chocolate appeal.
- Bake to Perfection:
- Bake until a toothpick inserted into the center comes out clean about 15 minutes. Be sure to test in a spot without chocolate chips for an accurate reading. Let cool completely before enjoying for the best texture.

My favorite part of this recipe is watching people take their first bite. The surprise at just how chocolatey yet balanced these muffins are makes everyone smile. My daughter actually requested these instead of birthday cake last year saying they were better than any store-bought chocolate treat.
Perfect Banana Selection
For the best flavor in these muffins, use bananas that are extremely ripe with lots of dark spots or even mostly black peels. These overripe bananas contain more natural sugar and have a stronger banana flavor that stands up beautifully against the rich chocolate. If your bananas aren't quite ripe enough, you can speed up the process by placing them in a paper bag with an apple overnight or bake them in their peels at 300°F for about 15 minutes until blackened.
Make Ahead Options
The batter can be prepared the night before and stored covered in the refrigerator. Simply bring it to room temperature for about 30 minutes before baking. Alternatively, baked muffins can be stored in an airtight container at room temperature for up to 3 days or frozen for up to 3 months. To reheat from frozen, microwave for 20-30 seconds or warm in a 300°F oven for about 10 minutes.
Healthier Variations
While these muffins are designed as a treat, you can make them slightly healthier without sacrificing flavor. Replace up to half the all-purpose flour with whole wheat flour for added fiber. You can reduce the sugar by about 25% if your bananas are extremely ripe. For a dairy-free version, substitute the sour cream with dairy-free yogurt and ensure your chocolate chips are dairy-free varieties.
Serving Suggestions
These muffins are wonderful on their own but become even more special when warmed slightly and served with a scoop of vanilla ice cream for dessert. For breakfast, pair with fresh fruit for balance or spread with a thin layer of peanut butter for a protein boost. They also make excellent gifts when wrapped individually in parchment paper and tied with twine.
Frequently Asked Questions
- → How do I make the muffins moist?
These muffins stay moist due to the mashed bananas, sour cream, and vegetable oil in the batter. Be sure not to overmix to retain their tender texture.
- → Can I substitute the sour cream?
Yes, you can use Greek yogurt or buttermilk as an alternative to sour cream. These options provide similar moisture and tanginess.
- → How can I store these muffins?
Store the muffins in an airtight container at room temperature for up to 3 days. You can also freeze them for up to 3 months.
- → What can I use instead of Dutch-process cocoa powder?
Natural cocoa powder can be used, but it may slightly alter the flavor and color. Ensure it's unsweetened for the best results.
- → Are the espresso powder and cinnamon necessary?
The espresso powder enhances the chocolate flavor, and the cinnamon adds a subtle warmth, but both are optional and can be omitted if desired.