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The Ultimate Moist & Fluffy Banana Chocolate Chip Muffins (Bakery Style Tops Guaranteed)

Close-up of a moist banana chocolate chip muffins with a bite taken out, showing chocolate chips throughout the crumb.

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Make soft, moist banana chocolate chip muffins with tall, bakery-style tops using this straightforward recipe. It is perfect for using up very ripe bananas.

Ingredients

Scale
  • 1 3/4 cups all-purpose flour
  • 1 teaspoon baking soda
  • 1/2 teaspoon baking powder
  • 1/2 teaspoon salt
  • 1/2 teaspoon ground cinnamon
  • 1/2 cup (1 stick) unsalted butter, melted and slightly cooled
  • 3/4 cup packed light brown sugar
  • 2 large eggs, room temperature
  • 1 teaspoon vanilla extract
  • 1 cup mashed very ripe bananas (about 3 medium)
  • 1/4 cup milk (any kind)
  • 1 cup semi-sweet chocolate chips, divided

Instructions

  1. Preheat your oven to 400 degrees Fahrenheit. Line a 12-cup muffin tin with paper liners or grease well.
  2. In a medium bowl, whisk together the flour, baking soda, baking powder, salt, and cinnamon. Set aside.
  3. In a large bowl, whisk the melted butter and brown sugar until smooth. Whisk in the eggs one at a time until fully combined. Stir in the vanilla extract.
  4. Add the mashed bananas and milk to the wet ingredients. Mix until just combined. Do not overmix.
  5. Gently fold the dry ingredients into the wet ingredients using a spatula. Mix only until no dry streaks of flour remain. Overmixing develops gluten and makes tough muffins.
  6. Fold in 3/4 cup of the chocolate chips.
  7. Divide the batter evenly among the 12 muffin cups, filling each about 3/4 full. Sprinkle the remaining 1/4 cup of chocolate chips over the tops of the batter.
  8. Bake at 400 degrees Fahrenheit for 5 minutes. This high initial heat helps create the tall tops.
  9. Reduce the oven temperature to 375 degrees Fahrenheit and continue baking for 15 to 18 minutes more, or until a toothpick inserted into the center comes out clean.
  10. Let the muffins cool in the pan for 5 minutes before transferring them to a wire rack to cool completely.

Notes

  • Use bananas that are heavily spotted or almost black for the best flavor and moisture.
  • For extra tall tops, ensure your oven temperature is accurate and use the two-stage baking temperature method described above.
  • You can prepare the batter the night before and store it covered in the refrigerator. Let it sit at room temperature for 20 minutes before baking.

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