Banana Muffins with 3 Toppings

This Banana Muffin recipe with three different toppings is the easiest way to suit all tastes when it comes to creating the best banana muffins for your friends and family. I've covered the top three requests, from Chocolate Chips to walnuts and of course my favorite crumb topping!

These muffins are so light and so moist and full of banana flavor. If you're a fan of my Classic Blueberry Muffin you'll LOVE this Banana Muffin recipe too! It has the same lightness and beautiful texture!

a banana chocolate chip muffin in a parchment wraper

Customizing is Easy

Just make one batter and then top a few muffins with a different topping ranging from chocolate chips, walnuts, or a crunchy crumb topping. This is an easy way to create an assortment of banana muffins that everyone will enjoy! 

a selection of banana muffins with walnuts, chocolate chips and crumb topping

Watch My Video Demo of this Recipe Below!

How To Ripen Bananas Fast?

For this recipe, you'll need two very ripe bananas but don't worry if you don't have ripe bananas on hand here's how to ripen bananas in the oven in 20 minutes.

a person holding up two unripe bananas

Ripe Bananas Anytime You Want

two bananas on a sheet pan lined with foil

How To Ripen Bananas in the Oven

  • To ripen bananas in the oven, line a sheet pan with foil. The bananas can get pretty messy as they bake and the foil will make it easier to clean up.
  • Then place the bananas in the oven and bake at 300F for 20 minutes.
  • After 10 minutes they will start to turn a dark brown, flip them over, and bake for another 10 minutes. 

Slicing open a black banana on a sheet pan

Remove the Flesh

  • At this stage, the banana skins will be completely black.
  • Once they are cool enough to handle,  you can slice them open and remove the sticky banana flesh.
  • You'll see it will look just like a very ripe banana that took a week to ripen, only it took you just 20 minutes. Genius!
  • Then place in a large bowl, mash them up with a fork and then combine the rest of the wet ingredients. 

Mashed bananas and eggs in a bowl

The Two Secrets to Making Moist Muffins

  • Using a combination of fats. My preference is melted butter and oil. The butter provides richness and flavor, while the oil is pure fat and contributes to the muffin's moist texture. 
  • Water. That's right folks! Water, not milk, or buttermilk, or sour cream. No other liquid does the trick like water. Water is just plain moisture without any added solids or fat to weigh it down. If you want a moist muffin, don't forget the water!
  • Water is what makes my Strawberry Lemon Muffins melt in your mouth, makes my Cappuccino muffins light as air, and makes my Pumpkin and Banana bread recipes sing. 

adding melted butter to a clear glass bowl

Do Not Over Bake

  • Muffins can end up being dry if you've over baked them, or baked them in a tin without cupcake liners.
  • The liners serve as a barrier between the hot metal and the muffin, preventing your muffin from baking too quickly.
  • I like to use the jumbo muffin papers in parchment because they blend into the muffins after they are baked and the non-stick parchment surface allows the muffin to be released easily without sticking to the paper. 

Banana Chocolate Chip Muffin on a plate with its liner peeled open

Use A Jumbo Muffin Tin

  • Once your batter is all mixed up, divide it evenly into a 6-cup jumbo muffin tin.
  • I like to use a jumbo muffin tin because I think it makes these banana muffins extra impressive, but you can also use a 12-cup standard-size tin if you prefer. There is enough batter.

Muffin tin filled with batter

How-To Make the Chocolate Chip Topping

  • Add 1 tablespoon of dark chocolate chips to the top of each muffin.
  • I love Nestle's Dark Chocolate Chips.
  • The flavor is really rich and the chips are larger than the semi-sweet variety giving you a lot of chocolate flavor. 

adding chocolate chips to banana muffins

The Benefits of Placing Chocolate Chips on Top

  • I think adding the chocolate chips to the top of the muffin as opposed to mixing them in, creates a prettier presentation.
  • It also helps your guests to notice that it's a chocolate chip banana muffin right away.

Banana Chocolate Chip Muffin on a plate with its liner peeled open

How-To Make A Nut Topping 

  • Add 1 tablespoon of walnut halves to each muffin.
  • Be generous with the nuts, since they will spread out as the muffin bakes.
  • You could also use pecans as well or a mix of both

A banana muffin with walnuts on a cake stand

How-To Make the Crumb Topping

  • Follow my Crumb Topping Recipe below
  • Generously load up the crumb topping to two muffins.
  • To create 6 banana crumb muffins, triple the crumb topping recipe
  • It may look like a lot of crumb topping before it's baked, but it too will spread out when the muffins bake.

Crumb topping on a muffin before baking

Be Generous with the Crumb Topping

  • Packing on the crumb topping will assure that your muffin has enough crumb topping to be well-covered, without any muffin showing through.
  • After they are baked and cooled, I like to dust them with powdered sugar for a pretty finish.

a banana crumb muffin on a wire rack

When you slice into these muffins, you'll see how moist and tender they are! Serve with a cup of coffee for a snack or pile high for a fantastic banana muffin assortment for a brunch. 

a banana chocolate chip muffin sliced open

Please Let me Know if You Make This Recipe

by leaving a rating below

Banana Muffin with Chocolate Chips on a wire rack

Banana Muffin Recipe with 3 Toppings

Yield: 6 jumbo muffins
Prep Time: 30 minutes
Cook Time: 25 minutes
Total Time: 55 minutes

Make one Banana Muffin batter and then top each one with a different topping from chocolate chips, walnuts or a crunchy crumb topping. This is an easy way to create an assortment of banana muffins that everyone will enjoy! 


  • 2 very ripe bananas, mashed
  • 2 eggs
  • ¾ cup (150g) sugar
  • ⅔ cup (160ml) melted butter
  • ¼ cup (60ml) vegetable oil
  • ½ cup (120ml) of water
  • 2 teaspoon (10 ml) vanilla extract
  • 1 ¾ cup (200g) flour
  • 1 ½ teaspoon (7.5ml) baking powder
  • ½ teaspoon (2.5ml) salt


  • 2 tablespoon (30ml) Walnuts (for 2 muffins)
  • 2 tablespoon (30ml) Dark Chocolate chips (for 2 muffins)

For Crumb topping (for 2 muffins)

  • 1 tablespoon (13g) sugar
  • 1 tablespoon (13g) brown sugar
  • ½ cup (60g) of all-purpose flour
  • ¼ teaspoon (1.24ml) baking powder
  • ⅛ teaspoon (large pinch) of ground cinnamon
  • 3 tablespoon (45ml) butter, melted
  • ¼ teaspoon (1.25ml) vanilla
  • 2 tablespoon (11g) old fashioned oats
  • A garnish of powdered sugar


  1. Preheat oven to 400F (200C). Line a jumbo muffin tin with jumbo papers. Set aside.
  2. In a large bowl mash the bananas, then add the eggs, sugar, butter, oil, water, and vanilla. Mix well and set aside.
  3. In a separate bowl, whisk together the dry ingredients.
  4. Add the dry ingredients to the wet ingredients, whisking until just combined. Scoop the batter into the muffin tin with an ice cream scoop, filling each one about ¾ of the way full.
  5. To make the crumb topping, in a small bowl combine the sugars, flour, baking powder, and cinnamon. Whisk with a fork until combined. Then add the melted butter and the vanilla. Whisk until a paste forms, then add the old-fashioned oats. Stir until crumb forms.
  6. Top 2 muffins with the walnuts, 2 muffins with the chocolate chips, and 2 muffins with the crumb topping. It will look like a lot of crumb topping for two muffins but it's important to put a lot on, in order to completely cover the muffin with crumb as it bakes.
  7. Bake at 400F for 22-25 minutes until golden brown and baked through.


  • To create a ripe banana place them in a foil-lined baking sheet at 300F (150C) for 20 minutes, flipping them over halfway through. Then slice the peels open and remove the flesh. Mash with a fork.
  • I like to use a jumbo muffin tin because I think it makes these banana muffins extra impressive, but you can also use a 12-cup standard-size tin if you prefer. There is enough batter to make 12 muffins as well. 
  • I think adding the chocolate chips and the walnuts to the top of the muffins as opposed to mixing them in creates a prettier presentation. It also helps your guests to notice that it's a chocolate chip or banana nut muffin right away.

Nutrition Information:
Yield: 6 Serving Size: 1
Amount Per Serving: Calories: 314Total Fat: 9gSaturated Fat: 4gTrans Fat: 0gUnsaturated Fat: 4gCholesterol: 66mgSodium: 39mgCarbohydrates: 56gFiber: 3gSugar: 33gProtein: 6g

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  1. Hi Beth, some of the measurements in the video for the muffins are different from the printed recipe (melted butter & baking powder). Which measurements should I be using

  2. Can these be made the day before serving? We are serving about 50 ladies breakfast, and we need to do this ahead. Or, do you have another bread that might work better. Thanks

  3. I just made these and completely forgot to add the melted butter. I saw my mistake in my small sauce pan on top of the drive when the muffins were already almost done baking. They came out delicious and my 14 year old daughter loves them. All of your muffin recipes come out delicious..I really think the water and oil make them turn out both moist and airy. (I also added an extra banana because I wanted to use up what I had on hand and these came out perfect).

  4. Beth, I have Celiac Disease, have you tried making these with a good quality GF flour? Did or would you change any measurements? Thanks!

  5. Beth! I am having so much enjoyment with your recipes. The Chocolate Banana Bread was awesome and I got 8 great muffins/cupcakes out of it as well. It was a real winner. Cannot wait to make your Super Moist Bana Cake. I try to do at least one or two of your recipes each week. Thank you for all that you do and you little abode in France sounds awesome. Thank you for sharing your talent with us. Regards, Norma Jeanne & Chuck

    1. Aww you are so welcomed Norma Jeanne! I'm so happy to hear the recipes have been a success! You will absolutely LOVE the banana cake! So moist and delicious and easy too!

  6. Delicious!!! I will definitely be making these again. My family loved them. Three different toppings is such a great idea!! Everyone can pick their favorite.

    1. Exactly! A fun idea for a brunch too, or a breakfast buffet, makes the muffin basket a bit more interesting! 🙂

  7. Wow these were so good! My husband and son said they were the best banana muffins ever. The crumble topping takes it over the top!

  8. 3/4 cup of butter and 1/4 cup of oil as well as 2 eggs to 1 3/4 c.flour - seems like a lot of butter
    Was the 3/4 C a typo? I made them per the recipe but there was a lot of fat floating around in the bottom of my muffin cups.

    1. Hmmm no that's not a typo that's the measurement I use and they come out great. I'm wondering if maybe your wet ingredients needed a bit more whisking, since it's fat (butter/oil) combining with water, the whisking must be done long enough to create "an emulsion" so that those two ingredients stay together and don't separate in the oven. That would be my first thought as to why you had that experience.