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Home / Recipes / American / Easy Banana Chocolate Chip Overnight Oats Recipe

Easy Banana Chocolate Chip Overnight Oats Recipe

Chocolate chips and banana slices in a clear container with oat mixture for overnight oats.
Easy Banana Chocolate Chip Overnight Oats Recipe
Anadi Misra

By Anadi Misra · Updated Apr 16, 2026 · originally published Jun 1, 2020

American6 hr 5 min1 jarseasy
Chocolate chips and banana slices in a clear container with oat mixture for overnight oats.
Easy Banana Chocolate Chip Overnight Oats Recipe
Anadi Misra

By Anadi Misra · Updated Apr 16, 2026 · originally published Jun 1, 2020

American6 hr 5 min1 jarseasy
Easy Banana Chocolate Chip Overnight Oats Recipe
Anadi Misra

By Anadi Misra · Updated Apr 16, 2026 · originally published Jun 1, 2020

American6 hr 5 min1 jarseasy

About this recipe

Easy Banana Chocolate Chip Overnight Oats are creamy, healthy, and ready in minutes. Prep the night before for a delicious grab-and-go breakfast you will love every morning.

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Overnight oats are what I consider to be the queen of all oatmeal. The taste, ease of preparation and texture is far superior to oatmeal made any other way. I would come out and say that it would also make for a delicious dessert if you are up for it! Not going to lie, I’ve made overnight oats for dessert quite a few times and it’s tons of fun! Overnight oats are light and nutritious, but they definitely can serve as a dessert for breakfast or just as a dessert! Skip the pudding and make these overnight oats!

Overnight oats just rock. All you gotta do is dump in the core ingredients into a bowl and add in your favorite mix-ins. The creativity with these can be endless! Then throw your mixture into the fridge and finish them off with any extra toppings, if desired, when you’re ready to eat. The preparation is so simple but the results are extraordinary!

I’d also like to mention that overnight oats are a perfect option to prep breakfasts for the week! You could prep the same base recipe and add in whatever your heart desires in the morning. No excuse to leave the house hungry when you’re in a pinch for time in the morning! I know I’ve avoided tons of stress not deciding what to cook for breakfast in the morning or forcing myself to cook when I’m too tired. Overnight oats can save lives for sure!

Why Try These Banana and Chocolate Overnight Oats

Banana and chocolate chip overnight oats are the solution to a quick breakfast! You'll love the sweetness from the bananas, and be sure to load up the chocolate chips! Because everyone loves chocolate and bananas. This recipe is a perfect way to use rolled oats and enjoy something healthy and sweet. Enjoy overnight oats hot or cold. I personally prefer overnight oats cold. I find them very refreshing on a hot summer’s day actually!

Overnight Oat Tips

Anybody can make a delicious overnight oats based upon their favorite milk, fruits, sweetener or treats from your pantry. All you need is a basic skeleton recipe to start out your canvas and let your imagination dictate the rest.

The chia seeds work their magic and make this breakfast so creamy that the breakfast is almost like a banana chocolate pudding! The more milk you add, the more liquidy it’ll be. But chia seeds are a must with pretty much all of my overnight oats recipes! These little guys really make the difference in the finished product!

In these chocolate banana overnight oats, I’ve added some Greek yogurt with the milk to get the maximum creaminess out of the oats. Greek yogurt is superior to regular yogurt in this case because of how thick it is. Regular yogurt will be runny. Of course if that’s all you have, feel free to try it out, but I would strongly recommend you use Greek yogurt!

Greek yogurt is also an awesome ingredient in these oats because it boosts the protein content, and it’s great for your gut health. For all the deliciousness, who doesn’t love the bonus of treating your body well when you’ve got a busy morning ahead!

Chocolate + Banana = Love!

This one is for everyone who love the combination of chocolate and bananas. My favorites include Banana Bread with Chocolate Chips, Nutella and Banana on toast, and of course, this recipe for Banana Chocolate Chip Overnight Oats.

If you’re looking for some more chocolate chip and banana breakfast ideas, I’d also recommend you check out these Banana Bread Chocolate Chip Pancakes with Hazelnut Spread, and if it’s a cold morning and you’d like some hot oatmeal instead try these Warm Peanut Butter Banana Healthy Oats.

Tools Needed

  • Large bowl
  • Whisk
  • Spatula
  • Plastic wrap
  • Measuring cups
  • Spoon

Ingredients for Chocolate and Banana Overnight Oats

I guarantee that this overnight oatmeal recipe will only take 5 minutes to get ready the night before! Here’s the short and simple list:

  • Rolled oats
  • Greek yogurt
  • Milk (I used regular dairy milk)
  • Vanilla extract
  • Chia seeds
  • Banana
  • Chocolate chips
  • Honey
Overnight oats ingredients laid out on granite counter: milk, Greek yogurt, quick oats, chia seeds, honey, vanilla extract, and bananas.

Let’s Prep!

Time to get these super yummy overnight oats ready! Begin by creating your base, adding the oats, Greek yogurt, milk, chia seeds, and vanilla extract in a large mixing bowl.

Overnight oats base with chia seeds, Greek yogurt, and chocolate chips in a metal bowl before mixing.

Using a whisk, mix all the ingredients until you have a smooth consistency and everything is well combined.

Overnight oats mixture with oats, yogurt, and milk whisked together in a bowl with chia seeds visible throughout.

Now, add some chocolate chips.

Creamy oat mixture in a bowl with chocolate chips scattered on top before folding.

And a few banana slices.

Creamy overnight oats base with banana slices and chocolate chips arranged on top in a metal bowl.

Mash the banana with a fork, then use a spatula to gently fold in the chocolate chips in the overnight oat mixture. Stir in the bananas.

Banana chocolate chip overnight oats mixture in a metal bowl with visible chocolate chips and banana pieces folded in.

Now, transfer the oat mixture to a serving bowl or a mason jar. If using a mason jar, seal with a lid. If using a serving bowl, cover the bowl with plastic wrap. Refrigerate overnight, or at least for 4-6 hours.

Banana chocolate chip overnight oats in a sealed mason jar with creamy oatmeal mixture visible through glass.

In the morning, top with more banana slices.

Mason jar of overnight oats topped with banana slices and what appears to be peanut butter or yogurt swirl.

Add some more chocolate chips!

Banana chocolate chip overnight oats in a glass jar topped with sliced banana and chocolate chips.

The final touch is a drizzle of honey.

Banana chocolate chip overnight oats in a glass jar with dark chocolate chips scattered on top.

Now grab a spoon and enjoy these delicious banana chocolate chip overnight oats for a nutritious start to the day!

Make-Ahead Tips, Swaps and Add-Ins

Overnight oats are the perfect prep-ahead breakfast — stir everything together at night and wake up to a ready-to-eat bowl. A few ways to make them your own:

  • Meal prep a batch: spoon the oats into mason jars or airtight containers and keep them in the fridge for a few days, so busy mornings are covered.
  • Swap the milk: regular dairy milk works beautifully, but almond milk, oat milk, or any milk you like all do the job. Add a splash more liquid if you prefer looser oats.
  • Change the sweetener: a drizzle of maple syrup works in place of the honey, and the ripe banana already brings plenty of natural sweetness.
  • Boost the flavor: stir in a spoonful of cocoa for a deeper chocolate hit, a little creamy peanut butter, or a pinch of cinnamon and other warm flavorings.
  • Cold or warm: enjoy them straight from the fridge like a no-cook porridge, or warm a jar in the microwave for a minute if you like your oats cozy.

Are Banana Chocolate Chip Overnight Oats Healthy?

This is a genuinely feel-good breakfast. The rolled oats and chia seeds add fiber and slow-digesting carbohydrates for lasting energy, while the Greek yogurt and milk bring protein and calcium to keep you full through the morning. The banana lends natural sweetness and potassium, and chia seeds contribute omega-3s. On their own the oats are naturally low in sodium and cholesterol; the chocolate chips and honey add a touch of sugar and calories, so sweeten to taste. It's an easy, balanced way to start the day.

Frequently Asked Questions

How long do overnight oats need to sit?▼

Overnight — that's the whole idea. Mix everything, seal the jar or bowl, and refrigerate for at least several hours (ideally overnight) so the oats and chia soften into a thick, creamy, spoonable breakfast.

What's the oats-to-liquid ratio?▼

Equal parts: about ⅔ cup of rolled oats to ⅔ cup of milk, plus ¼ cup of Greek yogurt for creaminess and protein and a tablespoon of chia seeds to thicken. That balance gives you oats that are creamy, not soupy.

Can I use a dairy-free milk?▼

Yes — any milk works here, dairy or plant-based, so use whatever you like. The Greek yogurt adds extra creaminess and protein, but you can swap in a dairy-free yogurt to keep the whole thing plant-based.

Why mash the banana into the oats?▼

Mashing half a banana right into the mixture sweetens and flavors the entire jar without any added sugar. Save the other half to slice over the top in the morning, along with chocolate chips and a drizzle of honey.

Let me know what you think of this recipe in the comments! If you’ve tried this recipe, be sure to post it on social media and tag it with #cookingwithanadi and mention me @cooking.with.anadi. Thank you!

Recipe by Anadi Misra

Easy Banana Chocolate Chip Overnight Oats Recipe

Easy Banana Chocolate Chip Overnight Oats are creamy, healthy, and ready in minutes. Prep the night before for a delicious grab-and-go breakfast you will love every morning.

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6 hr 5 min

Prep

6 hr 5 min

Total

1

jars

easy

Level

Ingredients

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Ingredients

Tap any quantity to scale

For the overnight oats

  • (60 g) rolled oatsShop →
  • (160 ml) milk
  • (33 g) Greek yogurt
  • (5 ml) vanilla extractShop →
  • (9 g) chia seedsShop →
  • banana(sliced)
  • (4 g) chocolate chipsShop →

For the toppings

  • (4 g) chocolate chipsShop →
  • banana(sliced)
  • (15 ml) honeyShop →

Instructions

  1. 1

    In a large bowl, mix in oats, milk, yogurt, chia seeds, and vanilla extract. Use a whisk to combine well until it's thick, creamy and well combined.

    In a large bowl, mix in oats, milk, yogurt, chia seeds, and vanilla extract. Use a whisk to combine well until it's thick, creamy and well combined.

  2. 2

    Then, add chocolate chips and banana slices. Mash the banana slices into the oats. Using a spatula, fold in the chocolate chips with the oats. Then, transfer the overnight oat mixture into a serving bowl or a mason jar. Seal the mason jar with a lid or cover the serving bowl with plastic wrap and refrigerate overnight*.

    Then, add chocolate chips and banana slices. Mash the banana slices into the oats. Using a spatula, fold in the chocolate chips with the oats. Then, transfer the overnight oat mixture into a serving bowl or a mason jar. Seal the mason jar with a lid or cover the serving bowl with plastic wrap and refrigerate overnight*.

  3. 3

    When ready to eat, top with banana slices, chocolate chips, and a drizzle of honey. Enjoy!

    When ready to eat, top with banana slices, chocolate chips, and a drizzle of honey. Enjoy!

Notes

  • •*If you want a thicker oatmeal, use 1/2 Cup of milk.**You may make overnight oats in advance and enjoy a ready made delicious breakfast up to 5 days in advance

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Filed under

oatmealhealthy oatmeal breakfasthealthy oatmeal recipeoatmeal recipeeasy breakfast recipeovernight oatsovernight oats recipehealthy overnight oats recipeeasy overnight oats recipeeasy chocolate chip banana overnight oats recipe

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Recipe history

  • April 16, 2026 — Reworked and refreshed for the 2026 relaunch — new photography, restructured and standardized ingredients & instructions.
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