Moist Buttermilk Banana Muffins with Chocolate Chips

Looking for the best moist Buttermilk Banana Muffins with chocolate chips recipe?

You can prepare our quick and easy banana chocolate muffin recipe at home in less than an hour.

Buttermilk Banana Muffins are a perfect sweet breakfast or on the go snack. We like to enjoy hot muffins right out of the oven, slathered with ricotta, cream cheese or butter.

You can also serve Chocolate Chip Buttermilk Banana Muffins as a decadent dessert accompanied by scoops of ice cream, chopped nuts, chocolate fudge sauce and sliced bananas.

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History of Muffins

A muffin is an individual-sized, baked product most commonly associated with morning mealtime. It’s one of the most popular on-the-go breakfasts that can easily be made ahead and stored in the freezer to enjoy later.

Muffins can refer to two distinct baked goods, a part-raised unsweetened flatbread that is baked and then cooked on a griddle, and a cupcake-like sweet or savoury quickbread that is leavened with baking powder and baked in a mold.

While the most common quickbread muffins are sweetened (such as lemon blueberry muffins, mincemeat muffins and morning glory muffins), there are also savoury varieties such as jalapeno cheddar cornbread muffins and cheddar apple muffins.

The flatbread “English Muffin” variety is of British origin, and dates from at least the early 18th century, while the quickbread originated in Canada and America during the 19th century.

One 19th century source suggests that muffins may be related to the Greek bread maphula, a cake baked on a hearth or griddle. Culinary historians also look to the Old French mou-pain, meaning soft bread, which may have been corrupted into “mouffin.”

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The word is first found in print in 1703, spelled moofin; it is of uncertain origin but possibly derived from the Low German Muffen, the plural of Muffe meaning a small cake. The expression muffin-man, meaning a street seller of muffins, is attested in a 1754 poem, which includes the line: “Hark! the shrill Muffin-Man his Carol plies…”

One of Canada’s top selling cookbooks of the 1980s was Muffin Mania, which helped popularize muffin making from Newfoundland to British Columbia. Homemade muffins were originally prepared as a healthy breakfast option, high-fibre mid-afternoon snack or low calorie dessert.

In 1997, muffins were popularized once again in Seinfeld’s now famous “The Muffin Tops,” episode. Like many muffin lovers, Elaine shared her love for only eating muffin tops. She hilariously talks about the fact that muffin stumps are not worthy of consumption as they don’t have the desirable crunchy texture. She shares the idea of opening a store that sells just muffin tops with her ex-boss and is outraged when he steals her idea.

When he offers her 30% of the profits to help his struggling business, they initially give the unused stumps to a homeless shelter. But after they get complaints about the missing muffin tops by a charity worker, they have to get rid of them elsewhere. Newman eventually takes the muffin stumps off their hands, smiling with glee!

Best Muffin Tools & Equipment.
Best Muffin Tools & Equipment.

Best Muffin Tools & Equipment

Before making a batch of Moist Buttermilk Banana Muffins make sure your kitchen is outfitted with essential bakers tools.

  • Mixing Bowl Set: It’s important to have a set of durable mixing bowls. We love stainless steel mixing bowls with a good grip. When making muffins you’ll typically need a large mixing bowl to sift your dry ingredients into, and a medium or small mixing bowl to beat your wet ingredients.
  • Measuring Cups: Ensure you have a set of measuring cups with a flat top rather than a spout, so you can easily use a knife to level off your dry ingredients like flour and sugar.
  • Measuring Spoons: We love these durable stainless steel measuring spoons that will help you accurately measure spices, baking soda and baking powder.
  • Whisk: This stainless steel whisk has a great grip and is helpful when beating eggs into other wet ingredients.
  • Sieve: It’s essential to have this tool in your kitchen so you can ensure all your dry ingredients are separated and don’t clump in the wet batter.
  • Bakers Scale: Use this digital scale to weigh flour and other ingredients that require a weight measurement.
  • Spatula: We love this rubber spatula as it also acts as a spoon so you can easily drop batter into each greased muffin cup.
  • Muffin Tins: We only use silicone muffin tins as they allow you to easily remove baked muffins from the tin with minimal baking spray required.
  • Baking Spray: Ensure your cupboards are stocked with baking spray so your muffins don’t get stubborn and refuse to slide out of the pan.
  • Cooling Rack: A sturdy cooling rack is a must to ensure your muffins cool without falling apart or getting soggy. They need breathing space to let out the steam before storing.
  • Storage Containers: We love doubling our muffin recipes so we have leftovers to store in the fridge or freezer to enjoy later.
Ingredients you'll need to make our healthy Buttermilk Banana Muffins recipe.
Ingredients you’ll need to make our healthy Buttermilk Banana Muffins recipe.

My Family Loves Homemade Buttermilk Banana Muffins

One of my fondest memories growing up as a kid was waking up in the morning at our family cottage in Muskoka and smelling freshly baked muffins.

My family’s two favourite recipes were Banana Chocolate Chip Muffins and Lemon Blueberry Muffins. In the summer we’d forage for wild blueberries and incorporate them into out favourite baked goods. My sister was the family blueberry fan while I was mostly obsessed with the marriage of banana and chocolate.

We always had a carton of buttermilk in the fridge as my mom is a bit of an oddball and likes to drink a glass of buttermilk at lunch.

Buttermilk is more acidic than normal dairy milk so most recipes that use the ingredient in baking do not require baking powder, just baking soda to activate and leaven the batter..

Buttermilk adds a nice tang to this moist banana chocolate chip muffin recipe. Top the muffins with slices of fresh banana to create an eye-catching breakfast or brunch treat!

Love baking for your family? Check out our best healthy muffins for kids list!

Sift dry ingredients in a large bowl and pour in blended wet banana and buttermilk mixture.
Sift dry ingredients in a large bowl and pour in blended wet banana and buttermilk mixture.

Buttermilk Banana Muffins Health Benefits

Our homemade Buttermilk Banana Muffins are packed full of healthy ingredients!

Containing starch and fibre, bananas are an excellent superfood for digestive health. They are a good source of heart-healthy potassium, as well as amino acids and vitamin B6, which help keep your brain healthy. 

Consuming dairy products (such as milk and cheese) provides health benefits — especially improved bone health. Dairy foods provide nutrients that are vital for health and maintenance of your body. These nutrients include calcium, potassium, vitamin D, and protein.

Proving more  soluble fibre than any other grain, oats also contain slow-release, low-GI carbohydrates.  Oats are also rich in  beta-glucan, which helps reduce high cholesterol and maintain blood sugar levels, and vitamin B1, which helps your body convert food  into energy.

Eggs contain two vital nutrients that are not present in many foods: iodine and vitamin D. Eggs are also rich in tissue-building protein and vitamin B12, which helps your body manufacture blood cells.

Nutmeg is said to relieve pain, soothe indigestion, strengthen cognitive function, detoxify the body, boost skin health, reduce insomnia, increase immune system function and improve blood circulation.

Rich in energy-boosting manganese, cinnamon is also antibacterial and may protect your brain against Alzheimer’s disease.  

Whole wheat flour is rich in vitamins B-1, B-3, and B-5, along with riboflavin and folate. It also has more iron, calcium, protein, and other nutrients than white flour. 

Add chocolate chips to the moist Buttermilk Banana Muffin batter before scooping into greased tins.
Add chocolate chips to the moist Buttermilk Banana Muffin batter before scooping into greased tins.

Buying VS Making Homemade Muffins

Today, muffins are often sold at grocery stores, McDonald’s cafes and coffee shops like Starbucks and Tim Horton’s. Unfortunately most commercially prepared muffins are simply cupcakes without the icing.

Read the ingredients list and you’ll find store bought muffins are full of sugar, fat and “flavourings” rather than real fresh fruit, vegetables and herbs. The excessive sugar, salt, fat and additives in commercial muffin recipes allow the grocery stores and coffee shops to extend the shelf life so they don’t go stale as quickly as a homemade muffin would.

The best way to enjoy healthy muffins is by preparing them at home, allowing you to control the proportion of ingredients. We suggest eating muffins fresh the day they are prepared. If you have any leftovers muffins pack 3-4 in a ziplock bag in your fridge and simply warm them up the next day in the oven. You can use a microwave to reheat muffins but they won’t produce the desired crunchy texture.

Any remaining Buttermilk Banana Muffins with Chocolate Chips should be stored in the freezer and can keep for 2-3 months. We like to double our muffin recipes when we prepare them so we have a storage of yummy muffins in the freezer that we can easily enjoy several weeks later.

Top Buttermilk Banana Muffins with a slice of banana.
Top Buttermilk Banana Muffins with a slice of banana.

Best Buttermilk Banana Muffins Recipe

There’s no better comfort food than a steaming, moist Buttermilk Banana Muffin straight out of the oven. Homemade muffins can be easily stored in the freezer to extend their shelf life and are a great on-the-go breakfast snack.

So what qualities make the best muffins? The perfect muffin must be crunchy on the outside, well leavened so the muffin cap holds its shape and doesn’t shrink when cooled and feature a moist and light interior.

Looking to prepare an easy moist Buttermilk Banana Muffins recipe? Baking is a science so you can’t just lower a muffin recipes fat and sugar content or you will bite into a chewy, hard and unappetizing product.

Let Buttermilk Banana Muffins cool for 10 minutes after baking in the oven.
Let Buttermilk Banana Muffins cool for 10 minutes after baking in the oven.

Buttermilk Banana Muffin Recipe Tips

If you’re looking to prepare muffins on a whim and are missing a few ingredients at home don’t worry!

We alway have bananas in our kitchen as we love to use them in baking and smoothie making. You should only use ripe bananas in this recipe as the starch breaks down into sugars, producing a sweet and soft fruit.

If you have unripe green bananas put them in a paper bag to help speed up the ripening time. We store a bag of brown spotted ripe bananas in the freezer so you can easily thaw and incorporate into this recipe from frozen.

We’ve used store bought buttermilk but if you like to have fun with DIY kitchen projects you can make your own homemade buttermilk.

We’ve used semi-sweet chocolate chips in this recipe but you could use milk chocolate chips, dark chocolate chips, butterscotch chips or white chocolate chips.

The one tip I give all muffin making beginners is to avoid over-mixing the batter. Light and fluffy muffins are made by reducing the amount of gluten in the batter. If you whip muffin batter with a beater the final product will be as hard as a hockey puck.

For best results, form a well in the dry ingredients and pour your wet ingredients inside. Using a spatula or wooden spoon, gently fold the dry ingredients into the wet ingredients. The finished batter should be fully incorporated, so be sure to scrape the bottom of the bowl so you don’t find unmixed flour. The most important rule to muffin making: when mixing, less is more!

Our Buttermilk Banana Muffins recipe features a soft moist interior and crunchy brown exterior.
Our Buttermilk Banana Muffins recipe features a soft moist interior and crunchy brown exterior.

You May Also Enjoy These Muffin Recipes…

Serve Buttermilk Banana Muffins with chocolate chips on their own or slathered with butter, ricotta or cream cheese.
Serve Buttermilk Banana Muffins with chocolate chips on their own or slathered with butter, ricotta or cream cheese.

How To Make Chocolate Chip Buttermilk Banana Muffins

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3.71 from 27 votes

Buttermilk Banana Muffins with Chocolate Chips

Learn how to bake the best moist Buttermilk Banana Muffins. Our easy recipe features oats, whole wheat flour, spices & chocolate chips.
Prep Time20 minutes
Cook Time20 minutes
Total Time40 minutes
Course: Breakfast
Cuisine: American, canadian
Keyword: Buttermilk Banana Muffins with Chocolate Chips
Servings: 14
Calories: 284kcal


  • blender
  • spatula
  • mixing bowl
  • measuring cups
  • measuring spoons
  • muffin tins
  • oven


  • 1.5 cups All purpose flour
  • 1 cup Whole wheat flour
  • 1/2 cup Oats
  • 2 tsp Baking soda
  • 1/2 tsp Salt
  • 1/2 tsp Cinnamon
  • 1/2 tsp Nutmeg
  • 1/2 cup Vegetable oil
  • 3 Ripe bananas mashed
  • 3/4 cup White sugar
  • 1 Large egg
  • 1 tsp Vanilla Extract
  • 1 1/4 cups Buttermilk
  • 1 cup Chocolate chips


  • Preheat the oven to 375 F. Grease 2 muffin tins.
  • In a mixing bowl, combine flours, oats, baking soda, cinnamon, nutmeg and salt. Whisk to combine and form a well in the centre. Set aside.
  • In a blender, blitz together vegetable oil, bananas, sugar, egg, vanilla and buttermilk until combined.
  • Pour banana mixture into the well you've forced in the dry ingredient bowl. Add chocolate chips then gently mix until the batter is moist and combined. Don't overmix!
  • Fill the muffin tins 3/4's full. It is optional to thinly slice a banana and top each muffin with a slice as it looks beautiful once baked.
  • Bake for 18-20 minutes, until the muffins are golden brown and a toothpick inserted in the centre comes out moist, but not wet with batter. Allow to cool slightly, serve and enjoy!


Calories: 284kcal | Carbohydrates: 40.1g | Protein: 4.8g | Fat: 12.4g | Saturated Fat: 4.4g | Cholesterol: 15mg | Sodium: 390mg | Potassium: 230mg | Fiber: 2.8g | Sugar: 21.2g | Calcium: 58mg | Iron: 1mg

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