Make tender, fluffy chocolate banana bread that’s decadent and delicious yet surprisingly diet-friendly – oil-free, refined sugar-free, vegan, gluten-free, and optionally grain-free!

Indulgent Yet Healthy (Ish) Chocolate Banana Bread
I’ve been loading up homemade banana bread with chocolate chips and marbling it with chocolate batter for years. Now, though, I’m finally sharing a fully chocolate banana bread recipe. In this recipe, chocolate cake (or brownies) meets banana bread for an indulgent breakfast, snack, or dessert worthy of any chocolate lover.
Every bite of this banana and chocolate loaf is loaded with sweet banana, decadent cocoa, and ooey gooey chocolate to make it taste truly delicious. However, whereas traditional recipes are loaded with refined sugars and oil, this somewhat healthy chocolate banana bread can be made refined sugar-free and uses almond flour to add natural fats and moisture.
It’s also naturally vegan (no egg alternatives necessary). Best of all, it’s so easy to throw together in just a couple of bowls (no mixer necessary), and you can even make an extra loaf to freeze for later!

Ingredients
The Dry Ingredients
- Flour: I used buckwheat flour for gluten-free chocolate banana bread, but all-purpose flour (or 50/50 of AP + whole wheat flour), or spelt flour should work too. An all-purpose GF blend (like Bob’s Red Mill) might work, but I haven’t tried it. 180 grams of oat flour can also be used, though the bread will be more crumbly on the first day.
- Almond flour: Use almond flour (store-bought or home-ground in a high-speed blender) for a moist, rich cake. Other ground nuts or sunflower seeds (for a nut-free loaf) will also work.
- Sugar: I used unrefined coconut sugar, but regular sugar or brown sugar works, too. You could also use a sugar alternative, but the cake may be slightly drier.
- Cocoa powder: Use high-quality, unsweetened cocoa powder for a rich chocolatey flavor.
- Baking powder: To provide lift and fluffy texture. Ensure it’s in date.
- Salt: A little salt balances and enhances the sweet, chocolatey flavors.
- Chocolate chips: Use your favorite chocolate chips/chunks (semi-sweet or bitter-sweet, regular or sugar-free). I use dairy-free chocolate chips for vegan chocolate banana bread.
The Wet Ingredients
- Bananas: Use soft, ripe bananas with plenty of brown spots. The riper they are, the sweeter (and more flavorful) they’ll be.
- Dairy-free milk: Any. E.g., almond milk, oat milk, soy milk, etc. For the moistest vegan chocolate banana bread, use canned coconut milk.
- Vinegar: You can also use lemon juice or lime juice.
- Vanilla extract: Use natural vanilla for the best flavor.
Please read the recipe card below for the full ingredients list, measurements, complete recipe method, and nutritional information.

Recipe Variations
- Spices: Add warm depth with cinnamon and/or nutmeg.
- Espresso/coffee powder: Just a tsp enhances chocolate flavor. Add more for a mocha loaf.
- Nuts: Add chopped raw or toasted walnuts, pecans, almonds, etc., for crunch.
- Chocolate spread/ peanut butter: Swirl some into the batter before baking for decadence.
- Orange zest: For subtle citrus flavor and brightness.
- Shredded coconut: Add a few tablespoons for flavor and texture.
- Berries: Add 1/2 cup fresh/frozen blueberries, raspberries, cherries, or chopped strawberries.

How to Make Chocolate Banana Bread
- First, preheat the oven to 360F/180C, and line an 8-inch loaf pan with parchment paper.
- Then, add all the dry ingredients (except the chocolate chips) to a large bowl and stir.

- In a separate bowl, mash the bananas with a fork until smooth. Then, add the milk, vinegar, and vanilla extract and stir well.

- Pour the wet ingredients into the bowl of dry ingredients and mix until combined before folding in the chocolate chips with a spoon.
Be careful not to overwork the batter. Mix it only until it is just combined for the best texture.


- Pour the batter into the prepared loaf pan and sprinkle it with more chocolate chips. Then, bake the banana and chocolate bread for about 40 minutes, or until a toothpick inserted into the center comes out clean/ with a few sticky crumbs.
The toothpick may hit a melted chocolate chip on the way (and look like wet batter), so it may be best to test in a couple of spots.

- Transfer the banana and chocolate loaf to a wire rack to fully cool. Remove it from the pan, slice it, and enjoy!
Enjoy a slice alone or with vegan whipped cream, yogurt, or vanilla ice cream and berries or lashings of vegan butter, chocolate spread, or nut butter.

Storage Instructions
Store: Once cooled, store the loaf loosely covered at room temperature for 2-3 days or in an airtight container in the refrigerator for 5-7 days.
Freeze: You can also store it whole or sliced (with parchment paper between the slices so they don’t stick) wrapped in plastic wrap or in a Ziplock in the freezer for up to 3 months.
Leave it to thaw in the fridge overnight, at room temperature for several hours, or reheat a slice from frozen in a toaster or microwave.

FAQs
Can I use frozen bananas?
Allow them to thaw and drain any excess liquid. Then, continue with the recipe as written.
Can I use Dutch-process cocoa powder?
Yes, it works great.
How do you ripen bananas quickly?
There are a couple of tricks to getting bananas ripe for this chocolate banana bread recipe. If you have a day or two, slip them into a paper bag with ethylene-producing fruit (like apples).
For more immediate results, bake the whole bananas for 15-20 minutes at 300F/150C until the peel has completely blackened.
Can I make mini loaves/Chocolate banana muffins?
Yes. Divide the batter between several of your chosen loaf tins and adjust the baking time accordingly until a toothpick inserted into the center comes out dry.
For muffins, divide the batter into a lined muffin tray and bake for about 18-23 minutes.

Recipe Notes
- Mash the bananas thoroughly: So they evenly distribute throughout the batter for the best flavor, sweetness, and moisture throughout.
- Don’t omit the nut flour: It’s the only source of fats in this oil-free, healthy chocolate banana bread recipe.
- Measure the flour properly: Using a scale is preferable, but if you’re using cup measurements, fluff it up in its bag first, spoon it into the cup, then level the top with the back of a knife. This ensures you don’t end up with a dense, dry loaf.
- Don’t over-mix the batter: Especially if using flour that contains gluten, as you can end up with dense, tough bakes. Only mix until just incorporated (a few tiny lumps are fine).
- Leave it cool fully: And only then slice the banana cake so it doesn’t crumble apart.
Other Vegan Banana Recipes
- Blueberry banana loaf
- Chocolate chip banana muffins
- Sugar-free banana bread
- No-bake chocolate banana pie
- Vegan banana pudding
- Banana baked oatmeal
If you try this vegan, gluten-free chocolate banana bread recipe, I’d love a comment and ★★★★★ recipe rating below. Also, please don’t forget to tag me in re-creations on Instagram or Facebook with @elavegan #elavegan—I love seeing them.

Chocolate Banana Bread
Video
Ingredients
Dry ingredients:
- 1 ¼ cups (180 g) buckwheat flour (see notes)
- ½ cup (100 g) coconut sugar (see notes)
- ¾ cup (75 g) almond flour (see notes)
- 6 Tbsps (40 g) cocoa powder
- 1 ½ tsp baking powder
- ¼ tsp salt
- ½ cup (90 g) dairy-free chocolate chips + more for the top
Wet ingredients:
- 3 medium (240 g) ripe bananas (see notes)
- 1 cup (240 ml) dairy-free milk (see notes)
- ½ Tbsp vinegar or lemon juice
- 1 tsp vanilla extract
Instructions
- I recommend measuring the ingredients in grams on a kitchen scale. Also, watch the video for easy visual instructions.First, preheat the oven to 360 ℉/180 ℃, and line an 8-inch loaf pan with parchment paper.
- Then, add all the dry ingredients (except the chocolate chips) to a large bowl and stir.
- In a separate bowl, mash the bananas with a fork until smooth. Then, add the milk, vinegar, and vanilla extract and stir well.
- Pour the wet ingredients into the bowl of dry ingredients and mix until combined before folding in the chocolate chips with a spoon.Be careful not to overwork the batter. Mix it only until it is just combined for the best texture.
- Pour the batter into the prepared loaf pan and sprinkle it with more chocolate chips. Then, bake the banana and chocolate bread for about 40 minutes, or until a toothpick inserted into the center comes out clean/ with a few sticky crumbs.The toothpick may hit a melted chocolate chip on the way (and look like wet batter), so it may be best to test in a couple of spots.
- Transfer the banana bread to a wire rack to fully cool. Remove it from the pan, slice it, and enjoy!
Notes
- Flour: I tested the recipe with buckwheat flour and also with oat flour. All-purpose flour (or 50/50 of AP + whole wheat flour), or spelt flour should work too. An all-purpose GF blend (like Bob’s Red Mill) might work, but I haven't tried it. The bread will be more crumbly on the first day if using oat flour.
- Almond flour: Other finely ground nuts or sunflower seeds (for a nut-free loaf) will also work.
- Sugar: I used unrefined coconut sugar, but regular sugar or brown sugar works, too. You could also use a sugar alternative, but the bread may be slightly drier.
- Bananas: Use soft, ripe bananas with plenty of brown spots. The riper they are, the sweeter (and more flavorful) they’ll be.
- Dairy-free milk: E.g., almond milk, oat milk, soy milk, etc. For the moistest bread, use canned coconut milk.
Nutrition information is an estimate and has been calculated automatically
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Hi Ela, I have followed all the measurements and guidelines, used exactly same ingredients but all the liquid ingredients got absorbed by dry ingredients and the batter became super dense and not runny at all, even after adding more liquid it kept absorbing it. What could have caused it?
Hi Juju! It sounds like something in your dry mix absorbed way more liquid than it should. The most common causes are extra-fine buckwheat flour, defatted almond flour, or bananas that weren’t very ripe.
But one big question: Did you possibly use coconut flour by mistake? Even a small amount makes the batter extremely thick and keeps absorbing liquid.
Otherwise, make sure the almond flour is regular blanched almond flour and the bananas are very soft and spotty. Mix only until combined and don’t let the batter sit too long.
I’ve made this banana bread a few times in the last couple of months, and I can’t get enough of it. I use oat flour instead of buckwheat, and lemon juice instead of vinegar. It’s fantastic! Not too sweet, but sweet enough and gooey, soft, delicious. It’s more of a cake than bread. I even made it as a birthday cake 🙂 Saved it in my recipe collection. Btw, Ela’s quantities are always very accurate and every recipe she posts turns out exactly as it should. Love her!
Thank you so much for your lovely feedback, Kat! 💛 I’m so happy to hear you’ve been enjoying the banana bread! So glad it’s become a favorite (and even birthday cake-worthy!). Your kind words mean a lot! 🙂
Above the recipe, I see the word VIDEO, but there is no link.
Do I need to find you on YouTube to watch your videos?
Hey, the video is embedded under the word VIDEO. Make sure your ad blocker is turned off and try using the Chrome browser. If it’s still not visible, try a different device or watch it on my YouTube channel.
Hope this helps! 🙂
Can the banana be omitted from this recipe? I see mostly every baked goods (pastry) you include banana. Why?
Hi Lori, this is a BANANA bread recipe, so of course it includes banana.
Hi Ela. Can I use coconut flour instead of almond?
Thank you, Magdalena
Hi Magdalena, no, I really don’t recommend using coconut flour as it absorbs so much liquid and doesn’t contain much fat (so any baked goods will be just dry and not moist).
Ok thank you for letting me know 😊
HI Ella,
If I prefer using liquid sweetener instead of the sugar (maple syrup or date syrup) – how much do you recommend using and should I add a little more of the flour?
Also, what makes this a “bread” rather than a cake? 🙂
Thank You!
Hi Michal, a liquid sweetener should be fine and I don’t think more flour will be necessary. A cake normally has a frosting. 🙂
Great, I will try. Thank you!
You are welcome! 🙂
Michaela, you did it again! Another absolutely fabulous recipe! I made 2-1/2 batches and it fit perfectly in 2 large loaf pans. It is so good that baking two loaves is a must!
Aww, I am so glad you like the bread, Karen. Thanks for your kind feedback. 🙂
Moist and delicious! This recipe is a winner!!!
Hey Donna, I am so glad you liked it! Thanks for leaving a feedback. 🙂
Made this tonight and I’m getting rave reviews from the family! Did have to make a sight adjustment since I didn’t have buckwheat flour. King Arthur GF bread flour worked just fine. Will definitely make this again! Sooo delicious!
That’s awesome, Kris. I am so glad the whole family liked it! 🙂
Do you think I can use cacao powder instead of cocoa powder?
Yes sure! 🙂
Oh wow. My kids and I made this over the weekend and promptly gobbled it up. Amazing! We’ll definitely be making it again. And again.
I am so glad you and your kids like it, Adel. 🙂
Hello Ela, I made the cake yesterday and it was delicious – all eaten really fast. However, I did not have the same fluffy consistency like you. It was moist and had a crust. Maybe I should have baked it on 170°C as I have a new oven? Never mind, this is a keeper. Thank you!
Hi Lenka, I am so glad you liked it. Which flour did you use? 🙂
I used white flour
Hello !
Can I use water instead of vegan milk ?
I live in India and vegan milk is not easy to get and very expensive !
Thank you !
Hello 😊
I’d recommend using coconut milk as that should be easier to find where you live 👍
You can also make your own plant milk at home very easily, for example with oats, coconut, or almonds/cashews.
Hope that helps 💛
Amei que delicia! parabéns ficou lindo.
Obrigada 😊
Loved this xx thank you for the recipe
You are very welcome! So glad you liked the recipe. 🙂