There’s something magical about the combination of ripe bananas and chocolate chips nestled in a soft, fluffy muffin. Banana Chocolate Chip Streusel Muffins are the perfect treat to brighten your morning or to enjoy as an afternoon snack. The added streusel topping takes these muffins to the next level, providing a delightful crunch that contrasts beautifully with the moist, tender muffin. Whether you’re looking to use up some overripe bananas or simply want to indulge in a sweet treat, this recipe is sure to become a favorite in your home.
What You’ll Love About This Recipe

These Banana Chocolate Chip Streusel Muffins are not just delicious; they are incredibly easy to make and can be enjoyed at any time of the day. Here’s what makes this recipe irresistible:
– Deliciously Moist: The combination of mashed bananas and sour cream ensures these muffins are incredibly moist.
– Chocolatey Goodness: Mini semi-sweet chocolate chips add the perfect amount of sweetness without overpowering the banana flavor.
– Crunchy Topping: The streusel topping adds a delightful texture that elevates these muffins to a whole new level.
– Quick and Easy: This recipe comes together in just one bowl, making cleanup a breeze.
What We’re Using
To make these scrumptious Banana Chocolate Chip Streusel Muffins, you’ll need the following ingredients:
- 1 cup all-purpose flour
- 1 cup granulated sugar
- 1 teaspoon baking soda
- 1 teaspoon salt, or to taste
- 1 teaspoon baking powder
- 1 cup mashed ripe bananas (about 3 medium)
- 1/3 cup vegetable or canola oil
- 1/2 cup sour cream (lite okay; Greek yogurt may be substituted)
- 1 large egg
- 1 teaspoon vanilla extract
- 1 cup mini semi-sweet chocolate chips
- 1/3 cup granulated sugar (for streusel)
- 1/2 cup light brown sugar, packed (for streusel)
- 1/3 cup all-purpose flour (for streusel)
- 1/4 cup unsalted butter, cold (for streusel)
- Cinnamon, optional for sprinkling
Essential Tools for Success
Before diving into the baking, make sure you have these essential tools on hand:
- Mixing Bowl: A large bowl for combining your ingredients easily.
- Muffin Pan: A standard 12-cup muffin pan to bake your muffins.
- Whisk: For mixing dry ingredients and incorporating wet ingredients smoothly.
- Measuring Cups and Spoons: Accurate measurements are key to baking success.
- Spoon or Ice Cream Scoop: For portioning out the muffin batter into the muffin pan.
Mastering Banana Chocolate Chip Streusel Muffins: How-To

Ready to bake? Follow these simple steps to create your Banana Chocolate Chip Streusel Muffins:
Step 1: Preheat Your Oven
Preheat your oven to 350°F (175°C). This ensures that your muffins bake evenly and rise perfectly.
Step 2: Prepare the Muffin Batter
In a large mixing bowl, combine 1 cup of all-purpose flour, 1 cup of granulated sugar, 1 teaspoon of baking soda, 1 teaspoon of salt, and 1 teaspoon of baking powder. Whisk together until evenly mixed.
Step 3: Add Wet Ingredients
To the dry ingredients, add 1 cup of mashed ripe bananas, 1/3 cup of vegetable or canola oil, 1/2 cup of sour cream, 1 large egg, and 1 teaspoon of vanilla extract. Mix until just combined. Be careful not to overmix; a few lumps are okay.
Step 4: Fold in Chocolate Chips
Gently fold in 1 cup of mini semi-sweet chocolate chips into the muffin batter. This will add bursts of chocolatey goodness in every bite!
Step 5: Make the Streusel Topping
In a separate bowl, combine 1/3 cup of granulated sugar, 1/2 cup of light brown sugar, 1/3 cup of all-purpose flour, and 1/4 cup of cold, cubed unsalted butter. Use a fork or pastry cutter to mix until crumbly. If desired, sprinkle in a little cinnamon for extra flavor.
Step 6: Fill the Muffin Pan
Grease your muffin pan or line it with paper liners. Use a spoon or ice cream scoop to fill each muffin cup about 2/3 full with the batter. Then, generously sprinkle the streusel topping over each muffin.
Step 7: Bake
Place the muffin pan in the preheated oven and bake for 18-20 minutes, or until a toothpick inserted into the center of a muffin comes out clean. The tops should be golden brown and spring back when lightly pressed.
Step 8: Cool and Enjoy
Remove the muffins from the oven and let them cool in the pan for about 5 minutes before transferring them to a wire rack to cool completely. Enjoy warm or at room temperature!
Seasonal Adaptations

This recipe is wonderfully versatile and can be adapted to fit different seasons and tastes:
- Fall: Add a teaspoon of pumpkin spice for a cozy autumn twist.
- Spring: Mix in some chopped nuts or shredded coconut for added texture.
- Summer: Swap out chocolate chips for fresh blueberries for a fruity variation.
- Winter: Incorporate a pinch of nutmeg along with the cinnamon for a warm, holiday flavor.
Pro Perspective
For the best results, use very ripe bananas. The riper the bananas, the sweeter and more flavorful your muffins will be. Additionally, feel free to experiment with different types of chocolate chips, such as dark chocolate or even white chocolate, to find your perfect combination. Don’t forget to sprinkle a little extra cinnamon on top of the streusel before baking for an aromatic touch!
Shelf Life & Storage
These Banana Chocolate Chip Streusel Muffins can be stored in an airtight container at room temperature for up to 3 days. For longer storage, consider freezing them. Simply wrap each muffin in plastic wrap and place them in a freezer-safe bag. They will stay fresh for up to 3 months. When you’re ready to enjoy, just thaw at room temperature or warm them in the microwave for a few seconds.
Reader Questions
Can I use frozen bananas for this recipe?
Yes! Frozen bananas work great. Just be sure to thaw them and drain any excess liquid before mashing.
What can I use instead of sour cream?
You can substitute sour cream with Greek yogurt or even buttermilk for a similar texture and flavor.
Can I make these muffins gluten-free?
Absolutely! Substitute the all-purpose flour with a 1:1 gluten-free flour blend for a delicious gluten-free version.
How do I prevent the chocolate chips from sinking to the bottom?
Toss the chocolate chips in a little bit of flour before folding them into the batter. This helps them stay suspended in the muffin as they bake.
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Wrap-Up
Whether you’re enjoying these Banana Chocolate Chip Streusel Muffins with your morning coffee or as an afternoon snack, they are sure to delight your taste buds. With their moist texture, sweet banana flavor, and crunchy streusel topping, these muffins are worthy of any breakfast table. Bake a batch today, and don’t forget to share with friends and family—they won’t be able to resist!

Banana Chocolate Chip Streusel Muffins
Ingredients
- 1 cup all-purpose flour
- 1 cup granulated sugar
- 1 teaspoon baking soda
- 1 teaspoon salt or to taste
- 1 teaspoon baking powder
- 1 cup mashed ripe bananas (about 3 medium)
- 1/3 cup vegetable or canola oil
- 1/2 cup sour cream (lite okay; Greek yogurt may be substituted)
- 1 large egg
- 1 teaspoon vanilla extract
- 1 cup mini semi-sweet chocolate chips
- 1/3 cup granulated sugar (for streusel)
- 1/2 cup light brown sugar (packed, for streusel)
- 1/3 cup all-purpose flour (for streusel)
- 1/4 cup unsalted butter (cold, for streusel)
- Cinnamon optional for sprinkling
Instructions
- Step 1: Preheat your oven to 350°F (175°C). This ensures that your muffins bake evenly and rise perfectly.
- Step 2: In a large mixing bowl, combine 1 cup of all-purpose flour, 1 cup of granulated sugar, 1 teaspoon of baking soda, 1 teaspoon of salt, and 1 teaspoon of baking powder. Whisk together until evenly mixed.
- Step 3: To the dry ingredients, add 1 cup of mashed ripe bananas, 1/3 cup of vegetable or canola oil, 1/2 cup of sour cream, 1 large egg, and 1 teaspoon of vanilla extract. Mix until just combined. Be careful not to overmix; a few lumps are okay.
- Step 4: Gently fold in 1 cup of mini semi-sweet chocolate chips into the muffin batter. This will add bursts of chocolatey goodness in every bite!
- Step 5: In a separate bowl, combine 1/3 cup of granulated sugar, 1/2 cup of light brown sugar, 1/3 cup of all-purpose flour, and 1/4 cup of cold, cubed unsalted butter. Use a fork or pastry cutter to mix until crumbly. If desired, sprinkle in a little cinnamon for extra flavor.
- Step 6: Grease your muffin pan or line it with paper liners. Use a spoon or ice cream scoop to fill each muffin cup about 2/3 full with the batter. Then, generously sprinkle the streusel topping over each muffin.
- Step 7: Place the muffin pan in the preheated oven and bake for 18-20 minutes, or until a toothpick inserted into the center of a muffin comes out clean. The tops should be golden brown and spring back when lightly pressed.
- Step 8: Remove the muffins from the oven and let them cool in the pan for about 5 minutes before transferring them to a wire rack to cool completely. Enjoy warm or at room temperature!
Equipment
- Mixing Bowl
- Muffin Pan
- Whisk
- Measuring cups and spoons
- Spoon or ice cream scoop
Notes
- For best results, use very ripe bananas for maximum sweetness.
- Feel free to experiment with different types of chocolate chips.
- Sprinkle extra cinnamon on top of the streusel for added flavor!
