Moist Gluten-Free Banana Chocolate Chip Muffins

At home we adore anything that tastes like banana bread. These gluten free banana chocolate chip muffins are a small-batch treat—just six bakery-style muffins—perfect for a solo breakfast, an afternoon snack, or a quick grab-and-go bite.

The recipe uses only one ripe banana, so it’s a great way to use a single overripe fruit. If you have more bananas to use up, try a full loaf of gluten-free banana bread or one of the other banana-based quick breads in your collection.

A muffin tin with baked banana chocolate chip muffins.

This small batch yields tender, moist muffins with a lovely banana flavor and pockets of melty chocolate. The method is simple and requires no stand mixer—just basic bowls, a whisk and a spatula.

Ingredient Notes

These muffins come together with a short list of pantry-friendly ingredients and are naturally dairy free when made as written. They rely on a gluten-free flour blend that includes a binder for best texture.

Ingredients for chocolate chip banana muffins on a marble countertop.
  • Gluten-Free Flour Blend – Use a reliable 1-to-1 gluten-free blend that includes a binder such as xanthan gum. Different blends can perform differently, so results may vary slightly.
  • Baking Powder – Use fresh baking powder to ensure a good rise and tall muffin tops. If it’s older than six months, replace it for best results.
  • Non-Dairy Milk – Unsweetened coconut milk or oat milk both work well. Regular dairy milk may be used if you are not dairy-free, in the same amount.
  • Banana – Use a very ripe banana for the best sweetness and banana flavor—dark spots are fine as long as it doesn’t smell off.
  • Chocolate Chips – Mini chocolate chips distribute more evenly through the batter so you get chocolate in every bite. Use allergen-free chips if needed.

See the recipe section below for exact ingredient quantities and full measurements.

Substitutions & Variations

  • Egg-free / Vegan: Replace the egg with 1/4 cup carbonated water to provide lift from bubbles; the texture will be slightly different but still pleasant.
  • Not dairy-free: Swap regular milk for the non-dairy milk in an equal amount.
  • No chocolate: Replace the chocolate chips with chopped nuts or dried or fresh fruit for a banana-nut or banana-fruit muffin.
  • Oat flour addition: For a heartier texture, substitute 1/2 cup oat flour for 1/2 cup of the gluten-free blend.
  • Double chocolate: Swap 3 tablespoons of the flour for cocoa powder to make chocolate banana muffins.

How to Make Gluten-Free Banana Chocolate Chip Muffins

No mixer is needed. These muffins use the classic muffin method: dry ingredients in one bowl, wet in another, then gently combine.

Line a 6-cup muffin tin with paper liners before you begin.

Gluten free flour, sugar, baking powder and spices being whisked together in a large white mixing bowl.

Step 1: In a large bowl whisk together the gluten-free flour blend, baking powder, sugar, cinnamon, nutmeg and salt until evenly combined. Set aside.

An egg that has been whisked until bubbly in a small white bowl.

Step 2: In a separate small bowl whisk the egg until frothy. If making the vegan version, whisk the carbonated water instead.

Oil, vanilla and milk added to the beaten egg in a small white bowl.

Step 3: Add the oil, vanilla and non-dairy milk to the beaten egg and whisk until smooth.

A banana being mashed on a plate with the tines of a fork.

Step 4: Mash the ripe banana with a fork until it becomes a wet pulp (about 1/3 cup).

Egg mixture and mashed banana being folded into the dry ingredients in a large white bowl.

Step 5: Pour the wet ingredients and the mashed banana into the dry ingredients. Fold gently with a rubber spatula about 10 strokes—do not overmix.

Mini chocolate chips being folded into the banana muffin batter.

Step 6: Fold in 1/2 cup of the mini chocolate chips until evenly distributed, about 3–5 more folds.

Unbaked gluten free banana chocolate chip muffins in a muffin tin.

Step 7: Divide the batter among the six prepared muffin cups, filling each to the top. Sprinkle the remaining chocolate chips on top. Bake following the temperature and timing in the recipe card below.

Expert Tip

Let the muffins cool in the pan for no more than 10 minutes before transferring them to a wire rack. This prevents a soggy bottom while still keeping them tender.

A batch of freshly baked gluten free banana chocolate chip muffins in the muffin tin showing the tall domed tops.

Storage

If you plan to eat the muffins the same day, store them uncovered at room temperature. For longer keeping, place cooled muffins in an airtight container: 2–3 days at room temperature, or up to 4 days refrigerated.

These muffins freeze well. Cool completely, wrap each muffin individually, and place in a freezer-safe container for up to 3 months. Thaw overnight in the refrigerator and warm briefly before serving.

A gluten free banana chocolate chip muffin with a bite taken out of the side.

More gluten-free muffins to Consider…

  • Gluten Free Banana Muffins
  • Gluten Free Sweet Potato Muffins
  • Gluten Free Peach Muffins
  • Gluten Free Lemon Blueberry Muffins

If you try this recipe, please leave a star rating and share your thoughts in the comments below — I love hearing how the muffins turned out for you!

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Recipe

A closeup of a gluten free banana chocolate chip muffin with a bite taken out.

Gluten Free Banana Chocolate Chip Muffins

A quick, small-batch recipe that makes six moist, bakery-style gluten-free banana chocolate chip muffins.
Author: Tiffany
Course: Breakfast
Cuisine: American
Prep Time: 10 minutes
Cook Time: 27 minutes
Total Time: 37 minutes
Servings: 6
Calories: 340kcal

Ingredients

  • 1 Cup Gluten-Free 1-to-1 Flour Blend
  • ½ Cup Sugar
  • 1 teaspoon Baking Powder
  • ½ teaspoon Cinnamon
  • ⅛ teaspoon Nutmeg
  • ¼ teaspoon Salt
  • 1 Egg (or ¼ cup carbonated water for egg-free)
  • 3 Tablespoons Olive Oil (or neutral oil)
  • ¼ Cup Non-Dairy Milk (or regular milk)
  • ½ teaspoon Vanilla
  • 1 Ripe Banana, mashed (about ⅓ cup)
  • ¾ Cup Mini Chocolate Chips, divided

Instructions

  1. Preheat oven to 400°F (200°C). Line a 6-cup muffin pan with paper liners.
  2. In a large bowl whisk together the flour blend, baking powder, salt, cinnamon, nutmeg and sugar until evenly combined.
  3. In a small bowl whisk the egg until frothy (or whisk the carbonated water if making egg-free). Add the oil, milk and vanilla and whisk until smooth.
  4. Mash the banana with a fork until it becomes a wet pulp, about 1/3 cup.
  5. Pour the wet ingredients and mashed banana into the dry ingredients. Fold gently about 10 strokes, just until combined.
  6. Fold in 1/2 cup of the chocolate chips until evenly distributed.
  7. Fill each muffin cup to the top with batter. Sprinkle the remaining chocolate chips on top.
  8. Place the pan in the oven and bake at 400°F for 2 minutes, then reduce the oven temperature to 375°F (190°C) and continue baking for 23–25 minutes, or until the tops spring back when gently pressed.
  9. Remove muffins from the oven and cool in the pan for 10 minutes, then transfer to a wire rack to cool completely or serve warm.

Notes

Storage: Store cooled muffins in an airtight container at room temperature for 2–3 days or refrigerate up to 4 days. Freeze individually wrapped muffins for up to 3 months.

Calories: 340kcal | Carbs: 52 g | Protein: 5 g
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