How I Make This Dessert?
Step by Step Process
- Soak the oats: Mix the rolled oats with hot milk in a large bowl. Let sit for 10 minutes to soften and bind.
- Prepare the banana mix: In a second bowl, mash bananas until smooth. Add eggs or flax eggs and mix well.
- Add cocoa + dry ingredients: Stir cocoa, baking powder, and a pinch of salt into the banana mixture.
- Combine wet and dry: Pour banana cocoa mixture into the soaked oats. Stir until fully blended.
- Fold in the nuts: Add your chopped nuts of choice and stir lightly to combine.
- Bake: Pour batter into a greased or parchment lined baking dish. Bake at 180°C (360°F) for about 40 minutes, or until a toothpick comes out clean.
- Cool + slice: Let cool slightly before cutting. Serve warm or at room temperature.

Chef Tips for Best Results
- Use ripe bananas: The browner, the better for sweetness and moisture
- Choose quality cocoa: It gives a rich depth that makes this feel indulgent
- Let it rest: After baking, a short rest helps it firm up and slice cleanly
- Try carob powder: For a naturally sweet alternative that’s caffeine free
Variations I Recommend
Customize It to Your Cravings
- Chocolate chip version: Add ¼ cup dark chocolate chips before baking
- Berry banana bake: Fold in ½ cup blueberries or raspberries
- Spiced twist: Add ½ tsp cinnamon or chai spice blend
- Nut free: Use sunflower seeds or skip the nuts entirely
Perfect for Meal Prep
- Freezer friendly: Slice into bars and store in freezer safe bags
- Reheat friendly: Warm a slice in the microwave or toaster oven for 1-2 minutes
- Snack box staple: Great for kids and adults as a midday energy boost
I often bake it Sunday evening and have dessert for the entire week or breakfast, because it’s that balanced. The oats and bananas hold up perfectly in storage, and each slice is just as moist on day four as it was fresh out of the oven.
“There’s nothing better than a dessert you don’t have to feel guilty about eating for breakfast.” – @BakeAndBalance
Serving Suggestions for Every Occasion
Dress It Up or Keep It Simple
This cocoa oat banana bake is one of those desserts that adapts to the moment. When I’m just baking for myself, I enjoy it plain with a cup of black tea or oat milk. But when I’m hosting guests or prepping for family dinners, I elevate it with toppings and sides that make it look and taste extra indulgent all without compromising its clean ingredients.
- With Greek yogurt: Spoon some plain or vanilla yogurt over a warm slice
- With berries: Add fresh raspberries, strawberries, or sliced banana on the side
- With nut butter drizzle: Peanut, almond, or tahini work beautifully
- With vegan whipped cream: For a decadent but dairy free finish
- With honey or maple: A light drizzle boosts sweetness naturally
Common Mistakes and How I Avoid Them
Why This Dessert Works for Every Diet
Gluten Free and Dairy Free Friendly
Because there’s no flour or butter, this dessert is a go to when I’m cooking for people with dietary restrictions. Just make sure your oats are labeled gluten free (many are processed in shared facilities). You can also use any plant milk you like almond, soy, oat, or even coconut milk all work perfectly. For egg free versions, I’ve had great success with flax eggs or chia eggs they keep the batter moist and bind well.
- Vegan version: Use 2 flax eggs and plant milk
- Nut free: Omit nuts or replace with seeds like sunflower or pumpkin
- Sugar free: Keep it banana sweetened or use dates if you want extra richness
How I Make This for Kids and Guests
Kids love anything with cocoa and banana, so this recipe is already a hit in most households. I make it more exciting by slicing it into bars and letting kids drizzle their own toppings yogurt, honey, or nut butters. For guests, I cut it into neat squares, plate with a mint sprig and berry compote, and serve it slightly warm with coffee or spiced tea.
- School lunch approved: Wrap bars in parchment and pack with apple slices
- Post dinner treat: Serve with herbal tea and a dusting of cinnamon
- Holiday platter: Cut into stars or rectangles and add dried cranberries on top
Frequently Asked Questions
Can I use instant oats?
It’s best to use rolled oats for the right texture. Instant oats can become too mushy after soaking and baking.
Is this sweet enough without sugar?
Yes, as long as your bananas are ripe. For more sweetness, you can add a tablespoon of maple syrup or a few chopped dates.
What size baking dish should I use?
An 8×8 inch (20×20 cm) square pan works best. You can also use a loaf pan but extend the baking time by 5-10 minutes.
How long does it stay fresh?
Up to 5 days in the fridge. You can also freeze slices individually for up to 1 month.
Can I make this recipe into muffins?
Absolutely! Just divide into greased muffin cups and bake for 20-25 minutes at the same temperature.