The Best Moist Banana Chocolate Chip Muffin Recipe

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Moist, delicious, and a great use for those brown spotty bananas, these Banana Muffins with Self-Rising Flour will be your new go to recipe! They are full of chocolate chips and great for a make ahead breakfast!

If you love these muffins, be sure to try blueberry muffins with self rising flour too!

Six muffins are in a muffin tin

If you have some leftover bananas that are starting to turn brown and spotty on your counter, this recipe is for you! All you need is 8 simple ingredients you probably already have in your house, and in no time at all you'll have delicious, homemade muffins in no time! Make a big batch on the weekends and enjoy them for breakfast or a quick snack through the week!

Self Rising Flour has become a new staple in my pantry! You can make pancakes with self-rising flour, 2 ingredient cream biscuits, waffles with self-rising flour, 3-ingredient dinner rolls, chocolate chip cookies with self-rising flour, and even banana bread with self-rising flour!

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Why You'll Love These Banana Muffins with Self-Rising Flour

  • No need for leavening agents! Just like all recipes with self rising flour, you don't need any baking powder or baking soda! Use self-rising flour! It cuts down on the ingredients necessary and is simple to swap out in recipes!
  • It's loaded with chocolate chips! The chocoholic in me is always so happy about recipes with tons of chocolate chips.
  • Gives your old bananas a great use! We all have those bananas around that no one wants to eat. Why not make them into a delicious, chocolate filled muffins?

Can You Use Self Rising Flour For Muffins?

Yes! Self rising flour is perfect for muffins! The baking powder is already in the flour, so you don't have to add any leavening agents to the batter. If you want muffins but don't have baking powder or baking soda on hand, these muffins are for you! You can use it to make muffins but you can also use it to make zucchini bread with self rising flour and self rising flour biscuits!

Self rising flour vs all purpose flour can be confusing, but in this recipe, you need to use self rising flour. All purpose flour will not work in this muffin recipe.

The Best Banana Muffin Ingredients

An overhead shot of the ingredients for banana muffins with self-rising flour
  • Bananas. You'll want 3 spotty, brown bananas. Not too yellow or they won't be sweet enough, and too black they will have gone bad.
  • Sugar. Regular white sugar, but brown sugar or coconut sugar would work too. Even maple syrup would be great!
  • Eggs. To hold the muffins together.
  • Butter. Melted butter or a neutral oil like vegetable oil or coconut oil.
  • Cinnamon. For a little extra flavor.
  • Milk. To make the muffins nice and moist.
  • Self Rising Flour. All purpose flour will not work, you need self-rising flour for this recipe. You can make your own homemade self rising flour or store bought flour.
  • Chocolate Chips. Semi-sweet chocolate chips or dark chocolate chips would work.

Different Types of Flour

Self-rising flour is all purpose flour that has baking powder and a small pinch of salt already in it. Classic southern recipes usually use self-rising flour instead of plain flour. Even though some people may think it is self-raising flour, it is actually self-rising flour. I love making pancakes with self-rising flour!

King Arthur is my favorite variety of self-rising flour. If you don't have a bag of it in your pantry, you can make your own self-rising flour really easily!

Cake Flour is used to make cakes. It is a finer flour so the cakes stay nice and light and airy. It usually has a lower protein content as well so cakes don't get tough.

Bread flour is used to make breads like sourdough bread. It has a higher protein content which helps develop the gluten in bread. Bread flour is also made from a harder grain, so it holds up better to making bread and the kneading process.

The Best Bananas To Use

We all buy that bunch of bananas, and there are inevitably two or three left over that get too soft and brown to eat. I know my kids refuse to eat them unless they are perfectly yellow. A little brown and forget it!

To make banana muffins though, those bananas are perfect! Brown, spotty, and a little mushy have the perfect amount of sweetness and are easily mashed, to make the most delicious banana muffins.

How To Make Banana Muffins with Self-Rising Flour

three bananas are in a large mixing bowl
Step 1: Preheat the oven to 400 degrees. In a large mixing bowl, mashed the bananas until they are pureed.
bananas, sugar, and butter are added to the bowl.
Step 2: Add the sugar and melted butter to the bowl.
The eggs and milk are added to the bowl.
Step 3: Add the eggs and milk. Mix well to combine.
The dry ingredients are added to the bowl with the wet ingredients for the banana muffins with self-rising flour
Step 4: Add the self rising flour and cinnamon to the bowl.
The batter is ready to be scooped into the muffin tins.
Step 5: Mix until the dry ingredients and wet ingredients are completely mixed. It's ok if there are a few lumps left, you do not want to overmix the batter.
The chocolate chips are added to the bowl.
Step 6: Pour the chocolate chips into the batter. Fold them in until just combined.
The muffin liners are filled with the banana muffin batter.
Step 7: Line a muffin pan with the paper liners.  Scoop equal amounts of batter into the muffin tins. 

Set the baking time to 20 minutes or until a toothpick is inserted and comes out clean.

Allow the muffins to cool slightly on a wire rack and serve.

A banana muffin with self-rising flour is cut open and the inside is shown.

Best Banana Muffin Recipe Tips

  • The muffins are done when a toothpick is inserted into the center of the muffin and comes out clean.
  • An ice cream scoop is a helpful tool to use to make sure the batter is equally divided among the muffin tins. A ¼ cup measuring cup can also be used if you don't have an ice cream scoop handy.
  • Allow the muffins to cool on a wire rack before serving. If they are served to hot, they may stick to the wrapper.
  • A cupcake wrapper ensures that the muffins will easily come out from the pan. You can use silicone wrappers or paper liners for these muffins.

Variations

  • Add a streusel topping! There's nothing a streusel topping can't make more delicious! This streusel topping on my cinnamon streusel banana bread is so good!
  • Add peanut butter! Instead of chocolate chips, swirl in your favorite peanut butter or add peanut butter chips!
  • Add Nutella! Just like peanut butter, Nutella and bananas is a classic combination!
  • Make them mini! Pour the batter into mini muffin tins for smaller version of these easy banana muffins!
One banana muffin with self-rising flour is on a plate surrounded by other bananas and more muffins

Storage

Once the muffins have cooled to room temperature, place them in an airtight container or a Ziploc bag. Keep them on the counter for 4-5 days. Do not place these muffins in the refrigerator. They will go stale quickly in the refrigerator.

You can also freeze these delicious banana muffins! Once they are at room temperature, place them in a freezer friendly container or a gallon Ziploc bag. Freeze them for up to 3 months. You can take them out of the freezer and place them on the counter when you are ready to defrost them.

Moist Banana Muffin Recipe FAQs

Can I use all purpose flour instead of self rising flour in these muffins?

These muffins need self rising flour because there is no leavening agent. If you only have all purpose flour, you can use it but you would have to add 2 teaspoons of baking powder to the recipe.

Can I make these muffins vegan?

Sure! You would need to use 2 flax eggs instead of regular eggs, coconut oil instead of butter, and your favorite non-dairy milk. Make sure your chocolate chips are also vegan before using any brand.

How can I quickly ripen bananas?

To ripen bananas faster than they normally would, place the bananas in a brown bag with an apple. The gases from the skin of the apple speeds up the ripening process. This way will take about a day to ripen.

If you are in a pinch and want to ripen bananas quickly, preheat the oven to 300 degrees. Place the whole banana on a baking sheet and place them in the oven for 15 minutes. When the skins turn completely black they are ready! Carefully peel the banana and let it cool, then proceed with the recipe.

How long do you bake banana muffins?

Most banana muffins bake best at 350°F for 18–22 minutes. I always start checking right around the 18-minute mark. When the tops are lightly golden and a toothpick comes out with just a few moist crumbs (not wet batter), they’re ready to come out.

What is the secret to extra moist banana bread?

The biggest secret is using very ripe bananas, the browner and spottier, the better. They add natural sweetness and moisture you can’t get anywhere else! I also avoid overmixing the batter and use fat (like butter) that’s fully incorporated, which keeps the crumb soft instead of dense.

Is melted butter better than softened butter for banana bread?

Yes, melted butter is usually better for banana bread and muffins. It mixes more evenly into the batter, which leads to a more tender, moist texture. Softened butter can trap air and make the crumb lighter, but for classic, moist banana bread, melted butter gives the best results.

A hand is holding one banana muffins with self-rising flour

More Banana Recipes

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📖 Recipe

Six muffins are in a muffin tin

Chocolate Chip Banana Muffins (with Self-Rising Flour)

Moist, delicious, and a great use for those brown spotty bananas, these Banana Muffins with Self-Rising Flour will be your new go to recipe! They are full of chocolate chips and great for a make ahead breakfast!
5 from 52 votes
Print Pin Rate
Course: Breakfast
Cuisine: American
Prep Time: 5 minutes
Cook Time: 20 minutes
Servings: 12 Muffins
Calories: 295kcal
Author: Lynn Polito

Ingredients

  • 3 Bananas Brown and Spotty
  • ½ cup Butter Melted
  • ½ cup Sugar
  • 2 large Eggs
  • ½ cup Milk Whole Milk, 2%, or non dairy
  • 2 cups Self Rising Flour
  • 1 teaspoon Cinnamon
  • 1 cup Chocolate Chips

Instructions

  1. Preheat the oven to 400 degrees.
  2. In a large mixing bowl, mashed the bananas until they are pureed. Add the sugar and melted butter. Add the eggs and milk. Mix well to combine.
  3. Add the self rising flour and cinnamon to the bowl. Mix until the dry ingredients and wet ingredients are completely mixed. It's ok if there are a few lumps left, you do not want to overmix the batter.
  4. Pour the chocolate chips into the batter. Fold them in until just combined.
  5. Line a muffin pan with the paper liners.  Scoop equal amounts of batter into the muffin tins. 
  6. Set the baking time to 20 minutes or until a toothpick is inserted and comes out clean.
  7. Allow the muffins to cool slightly on a wire rack and serve.

Video

Notes

  • The muffins are done when a toothpick is inserted into the center of the muffin and comes out clean.
  • An ice cream scoop is a helpful tool to use to make sure the batter is equally divided among the muffin tins. A ¼ cup measuring cup can also be used if you don't have an ice cream scoop handy.
  • Allow the muffins to cool on a wire rack before serving. If they are served to hot, they may stick to the wrapper.
  • A cupcake wrapper ensures that the muffins will easily come out from the pan. You can use silicone wrappers or paper liners for these muffins.
Calories: 295kcal | Carbohydrates: 40g | Protein: 4g | Fat: 14g | Saturated Fat: 8g | Polyunsaturated Fat: 1g | Monounsaturated Fat: 2g | Trans Fat: 0.3g | Cholesterol: 53mg | Sodium: 77mg | Potassium: 199mg | Fiber: 1g | Sugar: 21g | Vitamin A: 318IU | Vitamin C: 3mg | Calcium: 37mg | Iron: 0.4mg

The provided nutrition information is an estimate. The accuracy is not guaranteed.

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5 from 52 votes (43 ratings without comment)

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16 Comments

  1. This recipe was so simple and I used Stevia instead of sugar and they where even better. I'm a diabetic and I make everything with Stevia. Do you have no sugar recipes?

    1. I haven't used mini bananas for, unfortunately. You'll want 1 1/2 cups of mashed bananas for this recipe. Let me know how it comes out!

  2. 5 stars
    I added chocolate chips and pecans. These came out so soft. I will be using self rising flour from now on .

  3. Please add the grams next to the bananas. Saying 3 bananas is so subjective and calls for inaccuracy. Thanks ahead

  4. 5 stars
    I just made them and yes 5 stars. So good and easy to make! I added 1/2 cup of chopped pecans. Next time I’ll try them also with your streusel topping!
    Yummy!!

  5. 5 stars
    The kids were super happy when they came down to a fresh batch of these this morning! The kitchen smelled incredible!

  6. 5 stars
    I had some self rising flour in my pantry and decided to try your banana muffin recipe. I love the addition of the mini chocolate chips. Thanks for a great muffin recipe!!

  7. 5 stars
    Banana muffins are my son's absolute favorite muffin, and I love that this recipe makes it easier using self-rising flour. They are delicious, thanks!

  8. 5 stars
    These were so tender and comforting with the perfect amount of banana. The kids gobbled them up in no time! Will certainly make again. 🙂

  9. 5 stars
    I had a little bit of self rising flour in a bag left behind from another recipe, and I didn’t know what to do with it. This was a great use for it as well as my browned bananas! Moist and delicious.