
Soft, fluffy, and loaded with melty chocolate chips, 3-Ingredient Chocolate Chip Banana Muffins are the kind of cozy, easy breakfast treat you’ll want to make again and again. With just mashed bananas, pancake mix, and chocolate chips, these muffins come together in minutes—no fancy mixers, no long prep, and best of all, just one bowl.
Whether you’re meal prepping for the week or tackling those overripe bananas on the counter, this recipe is your delicious solution. Thanks to the pancake mix, there’s no need to measure flour, baking powder, or salt. It’s already built in—how genius is that?
Muffins first appeared in American cookbooks in the 19th century, but these simplified versions are a modern-day marvel. Each bite of these banana-packed muffins offers rich, gooey chocolate and that nostalgic homemade taste you can’t resist.
Best enjoyed warm with coffee or milk, these muffins are a hit with both kids and adults. Trust us—one batch won’t be enough!

Recipe Yield: 12 muffins
INGREDIENTS
1 ½ cups mashed ripe bananas (about 3 medium bananas)
2 cups pancake mix (complete mix, like Bisquick or Kodiak)
¾ cup semi-sweet chocolate chips
INSTRUCTIONS
1. Preheat and Prep:
Preheat your oven to 350°F. Line a 12-cup muffin tin with paper liners or lightly grease with nonstick spray.
2. Mix the Batter:
In a large bowl, mash the bananas until smooth. Add the pancake mix and stir gently until combined (don’t overmix!). Fold in the chocolate chips evenly.
3. Fill and Bake:
Scoop the batter evenly into the prepared muffin tin, filling each cup about ¾ full. Bake for 18–22 minutes, or until the tops are golden and a toothpick inserted in the center comes out clean.
4. Cool and Enjoy:
Let the muffins cool in the pan for 5 minutes, then transfer to a wire rack to cool completely. Enjoy warm or store for a quick breakfast all week.
Helpful Tips to Perfect This Recipe
- Use Ripe Bananas: Overripe bananas with brown spots are sweeter and mash more easily, adding natural sweetness and moisture to the muffins.
- Don’t Overmix the Batter: Gently stir the batter just until no dry spots remain. This keeps your muffins soft, tender, and fluffy.
- Customize the Chips: Try mini chips for even distribution, or mix dark and milk chocolate for a richer flavor combo.
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