Banana Chocolate Swirl Muffins
These banana chocolate swirl muffins hold all the delight of a moist, fluffy banana muffin with delicious ribbons of chocolate throughout!
Banana bread meets muffin meets perfect hint of chocolate. And the result is one incredibly tasty muffin! This recipe is so easy and the baked muffins are stunning.

Easy Method for Making Two Flavors of Muffin Batter
To get the delightful swirls of chocolate in the banana muffins, we need both regular banana muffin batter and chocolate muffin batter.
However, instead of making two separate batter start to finish, there’s a clever, quick way to choc-ify a portion of the batter. Here’s how to do it:
- Make the regular batter per the recipe (spoiler alert: it’s a super easy one-bowl recipe).
- In a separate bowl, whisk together cocoa powder and boiling water until smooth.
- Scoop in some of the banana batter to the chocolate mixture and stir to combine.
And that’s it! Two flavors of banana batter ready to go!
How to Assemble Banana Chocolate Swirl Muffins
For the muffins, it’s helpful to keep in mind a few things:
- Don’t over think or over stress about how to layer the batter in the muffin cups. It doesn’t have to be perfect!
- Each muffin cup will have about 1/4 cup of batter total (I use a USA brand muffin tin {aff. link} – best muffin tin ever – if your muffin tin has smaller/different size cups, you may get more or less muffins out of the batch, and you may need to use less batter so the muffins don’t overflow).
- There is MORE plain banana batter than chocolate batter, which means each muffin cup will have about 3 tablespoons regular banana batter and a heaping one tablespoon of chocolate batter (layered in four parts).
- The layers go as follows: regular banana batter, chocolate, regular, chocolate.
- It’s ok if there is extra batter – just take a look at the muffins and add tiny scoops here and there until everything is evened out and the cups all have about the same amount of batter.
- Despite the name of the recipe, don’t swirl the muffin batters together once layered!
It’s ok if the muffins aren’t completely uniform with the exact same amount of batter in each muffin cup! They are delicious no matter how they’re layered, I promise.
A Tried-and-Tested Recipe
I tested these muffins out many times to get them just right. My kids were delighted each time.
“Oh, it’s THOSE muffins – yay!”
Not only are the muffins really fun to make (like, seriously, HAVE FUN WITH IT), but they are stunning in appearance.
The delectable banana muffin batter is made infinitely better by the tasty dark ribbons of chocolate batter running throughout.
Final Thoughts
You’ll notice that the chocolate presence in these banana chocolate swirl muffins is definitely not overpowering.
The chocolate swirls are a minimalistic but much-appreciated addition to the classic flavors of the fluffy banana muffin.
There’s just enough chocolate to keep things interesting while still keeping the muffins solidly in the “still-appropriate-for-breakfast” territory. Although, if we’re being honest with each other in this very safe corner of the internet, I feel there is nothing wrong with an all-chocolate muffin (ahem, or cupcake) for breakfast, either. But still, you get my point.
Basically, all you really need to know is that these muffins are exceptionally good. And you should make them. Like, immediately.
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Banana Chocolate Swirl Muffins
Ingredients
- 1 ½ cups (425 g) mashed bananas, about 4 medium bananas (see note)
- ½ cup (106 g) granulated sugar
- ½ cup (106 g) packed light brown sugar
- ⅓ cup (61 g) neutral-flavored oil (like canola, vegetable, grapeseed, avocado)
- ⅓ cup (74 g) sour cream
- 2 large (100 g) eggs
- 1 teaspoon vanilla extract
- 2 ⅓ cups (331 g) all-purpose flour
- 2 teaspoons baking powder
- ¾ teaspoon salt
- ½ teaspoon baking soda
- ¼ cup (22 g) cocoa powder (natural, unsweetened or Dutch-process)
- ¼ cup (55 g) boiling or VERY hot water
- Coarse sugar, for sprinkling (optional)
Instructions
- Preheat oven to 350 degrees F. (If using a dark-coated pan, reduce oven temperature to 325 degrees F.) Line a muffin tin with paper liners. This recipe makes about 18 muffins, so you'll need to bake a second smaller batch (or use a second muffin tin).
- In a large bowl, add the bananas, granulated sugar, brown sugar, oil, sour cream, eggs, and vanilla. Whisk together until well combined.
- Add the flour, baking powder, salt and baking soda. Mix until no dry streaks remain (batter will be slightly lumpy; that's ok…don't over mix).
- In a medium bowl, whisk together the cocoa powder and boiling water until smooth. Add 1 1/4 cups (325 g) of the banana batter to the chocolate mixture and mix until combined and no streaks of light colored batter remain (again, try not to over mix).
- Into each muffin cup: scoop about 1 1/2 tablespoons banana batter, followed by a scant 1 tablespoon of chocolate batter, followed by another 1 1/2 tablespoons of banana batter, and finishing with another teaspoon or so of chocolate batter. SEE NOTE BELOW FOR ADDITIONAL TIPS ON FILLING THE MUFFIN CUPS and what to do with extra batter.
- Sprinkle a light dusting of coarse sugar over the muffin cups, if desired.
- Bake for 17 to 19 minutes until the tops of the muffins spring back lightly to the touch.
- Remove the muffins from the tin to a wire rack to cool completely.
Notes
Recommended Products
Recipe Source: from Mel’s Kitchen Cafe (inspired by a recipe in Bake From Scratch magazine)
Amazing! My 12 year old gave his critique: the chocolate batter was too chocolatey (he’s very much wrong about that!) and he thinks the plain batter needs some chocolate chips (I can get behind that!). He ate four in one sitting after dinner!
Delicious! I did make a couple of changes: increased the hot water/cocoa mixture and made the two batter quantities even, and added chocolate chips to the non-chocolate batter because, well, chocolate. The muffins were moist, almost cake-like, not overly sweet, and absolutely wonderful.
These were delightful! I used Cacao, coconut oil, and a mix of AP and wheat flour, the texture was perfect. My kids devoured them after school.
These are SO YUMMY! I cooked them a bit hotter for a bit longer because I’m at high elevation and that gave me a perfect muffin. I used unsalted butter instead of the oil and the flavor was perfect. I love the technique of layering the banana and chocolate batter- don’t think I’ve ever done that before but it’s totally worth taking the time to make the chocolate batter for this yummy and beautiful effect.
Thanks for the inspiration! These turned out great! Admittedly, I made changes, using allulose and brown swerve to sweeten and almond flour for part of the all purpose flour. Such a great flavor combo and presentation! And I need to mention, I so appreciate that you list the ingredients by weight for your recipes.
These were just ok for us. They were a little more time intensive than I usually like for muffins. They are really pretty but didn’t have a lot of flavor and were not quite sweet enough or flavorful enough for us. My bananas were very ripe so I don’t think that was the issue. Adding mini chocolate chips to the plain batter probably would have helped (wish I would have seen that comment earlier) and I left off the sugar on top which I would use if I made them again. Crumb is tender and they rose beautifully at 5800 feet elevation in Colorado. I may try them again but I think maybe I like my muffins to be quasi-cupcakes 🙂 so I may stick with the pumpkin chocolate chip muffins and the one bowl chocolate chip muffins. Those are bowl absolute favorites I have made for many years.
In making this muffins I realized that I only had enough chocolate batter to make 9 with all the layers. I used a 2 tsp and 4 tsp scoop. I had 14 muffins total. 3 only had one scoop of chocolate and the remaining 2 were just banana. I need to go lighter on the banana and chocolate ratios next time. Overall the flavor and texture were really good.
Made these this morning for National Muffin Day (my kids love those funny holidays and this seemed like a perfect way to celebrate this one!). I added mini chocolate chips to the chocolate batter like someone mentioned below. My muffin tins must be small because I had 18 (very . . . over? . . ) full muffins plus a mini loaf pan. The fam loved them and oohed and aahed over the swirls. (My daughter said they looked like little cows {insert crying laughing emoji} so maybe we’ll make them again for a cow celebration day! ha!).
Coming back to leave a rating (missed that this morning!).
Thanks, Kimma!
These muffins certainly are pretty. My family also enjoyed the flavor very much, although we do prefer the more pronounced chocolate flavor of banana muffins with chocolate chips. The texture is very fluffy and soft. I think next time I’ll add some mini chocolate chips just for our preference.
Mini chocolate chips would be a great addition!
These were delicious, quick and easy. I made a half batch for the two of of and I’m not embarrassed to say we polished ‘em off by the day’s end. I’m game for any recipe that tells me not to overthink! 🙂
So good! Love that these muffins are not overly sweet.
Thanks, Kelly!
These were yummy and a fun change! I used half whole wheat flour and didn’t have any sugar to sprinkle on top. My kids thought they were so pretty and they tasted amazing too. Not too chocolatey which some of my kids don’t like, crazy!
Glad you enjoyed this recipe, Elaine!
Yum. Not everyone likes chocolate (?) so I was able to make some plain banana and then others the combo banana chocolate. I added some chocolate chips to the chocolate batter too. I managed 24 smaller muffins.
Another great recipe. Hardly a week goes by that I don’t make something of yours. Thank you! <3
Thank you so much, Betty!
Have you tried making with whole wheat flour yet?
I’ve made them half whole wheat flour (white wheat variety) and they worked quite well.
Easy and delicious! I appreciated the reassuring instructions not to stress about the layering 🙂 My muffin tin must be on the smaller end because I ended up with 18 muffins total, but no complaining here!! I especially like the shine of the chocolate swirl 😍
Thanks for the comment, Heather! And actually, the recipe should make about 18 muffins, so I think you did it just right! (I fixed that part in the first step of the instructions where it says the recipe will make 15 – that was a typo).
I made this for dinner tonight and it was a huge hit. The batter was forgiving and versatile. I forgot to add the soda, salt, and baking powder until I had already mixed everything together. I cut the sugar by 1/3 cup and used ground nuts/whole wheat flour/white flour for the flour. All 9 diners were happy!
Thanks for the review, Jennifer!
I wish I had ripe bananas, these look delicious! I’ll have to buy extra bananas just to make these! Thanks for sharing, Mel! And happy birthday by the way!! You’re a light in the world and I’m very grateful for you!
What a sweet comment – thank you, Alexandra!
Not overly sweet, this banana muffin recipe is the bomb! I loved how easy the chocolate swirling was. Pretty classic taste, I’d say. And the crunchy sugar on top adds some nice texture. The only thing that would make it better is a little pat of butter smeared on it, but that’s always a given for me. Yum yum!
Thanks, Angela – super happy you loved these! Don’t disagree about the butter. 🙂
Why paper liners? Can the muffin tins just be sprayed with oil? Thank you.
Yes, you can bake them in a greased muffin tin without liners.
I wish I had checked my email before making banana muffins this morning! Can’t wait to try these soon!
Could you layer this in a loaf pan instead of doing the muffin cups?
I haven’t tried that, but I *think* it should work pretty well!
Hi Mel! Love these! With four ripe bananas do you think I could cut one or both sugars down a bit or would the muffins lose too much structure and moisture?
You can definitely experiment cutting the sugars down – I don’t think the muffins will lose moisture if doing that.
I cut them down – I did 1/3 cup each and they worked great for me – they were sweet enough.
These are delicious! My children gobbled them up after school! Banana muffins are one of my favorites and these will definitely be in rotation now. ☺️
Yay, Natasha! I hope your kids love them!
What can you substitute for the sour cream to make dairy free ?
You could try a non-dairy sour cream substitute like non-dairy plain yogurt – otherwise, I’m not sure what to suggest as I haven’t made these muffins strictly dairy free.
You can try mayo maybe? My son has a dairy allergy too and I’m gonna give it a go tomorrow!
I just made them with mayo and it worked great! My son has a dairy allergy too
I’d love to make this recipe, but 18 muffins is a lot!! Can you cut the recipe to 8 or 9 muffins. Thank you.
Just halve the recipe — that should make 9 muffins.
Hi Sylvia, like Laurie commented, you can easily halve the recipe for a smaller batch.
Made these this morning and WOW!!! They are wonderful. We think they taste almost like your soft banana bread cookies. They look like the chocolate would be overwhelming, but it’s not. I think they taste better this way, rather than adding chocolate chips. The chocolate is more subtle. We love muffins and these will definitely become part of our muffin line up! Thank you for another great recipe!
Natalie! You are awesome! Thanks for making the recipe so fast and taking the time to let me know what you thought!