We’ve only given you 50 Banana Bread recipes, so why not make it 51 with this moist white chocolate banana bread full of white chocolate chips and banana flavor!

STOP! Before you read this post, have you read our post on The Very Best Banana Bread? It’s essential before you make this white chocolate banana bread recipe. The batter is really simple, but you’ll want to follow a few tricks to make it turn out perfect.

Especially if you choose to make muffins like our Crumb Banana Bread Muffin recipe because muffins that are over mixed are flat topped.

A slide of banana bread covered in white chocolate lying on top of brown parchment paper.

This is a recipe our daughter created when she was only 7 years old and it was the perfect opportunity for me to teach her about the banana bread rules.

Watch How to Make Banana Bread

Banana Bread Rules

  • Ripe Bananas- This is a tricky one as everyone claims a banana to be ripe at different points, but I would look for medium bananas that are starting to brown and are heavily covered in freckles. Once the banana has gone black its sugar and water content is different and can lead to a lame finished product.
  • Use a regular loaf pan instead of a very large one and I’ve found that metal actually works best.
  • If you’re not comfortable with the tap test to be sure it’s cooked through, gently insert a toothpick into the center and it should come out clean.
  • All purpose flour is best here, but you can experiment with half whole wheat as well.
  • Sweet White Chocolate melts down in the loaf and disappears a bit so don’t be shocked if you don’t slice the bread and find chocolate chips everywhere.

After we created our best moist banana bread recipe (you guys, it literally took us years and years, no joke) we were dying to take a break, er I mean try even more recipes, haha.

Ok, it was a balance of both. On the one hand we really did need a break from banana bread, but on the other, our minds were suddenly bubbling with ideas. After breakfast one Saturday, our youngest daughter asked if she could create a white chocolate banana bread recipe, and how could you ever turn down that?

Our favorite white chocolate banana bread recipe and the secrets to perfect banana bread at home!

Secret Ingredient

The banana bread is super moist thanks to the oil and mashed bananas, but what’s really awesome about it is that it almost has a slight churro flavor with the hint of cinnamon and those creamy white chocolate chips. My goodness, she nailed it!!

If you’re looking to really make a different version, try our hummingbird cake banana bread, or skip the bread all together and make a banana cake like our super moist chocolate banana cake, and never miss out on our VIRAL banana cake recipe!

Are White Chocolate Chips Dairy Free?

There are dairy free white chocolate chips, but most do have some dairy in them. You can search specialty stores for white chocolate chips that are dairy free.

Are White Chocolate Chips Gluten Free?

As you may have noticed, many chocolate chips are now labeled that they are gluten free. This is because some may be made in a factory with gluten present, so manufacturers are being wise about labeling the chocolate chips that are in fact gluten free.

In order to know if white chocolate chips are gluten free you’ll have to check individual packages, for example Nestle labels theirs as gluten free.

Is White Chocolate Real Chocolate?

No, sweet white chocolate is not actually chocolate, but that certainly doesn’t stop me from loving it. We make Maple Pecan Blondies with White Chocolate Sauce, my absolute favorite White Chocolate Molasses Cookies, and many other recipes on the blog.

Why White Chocolate Won’t Melt

White chocolate doesn’t love heat so it can easily seize or turn lumpy and grainy. If you encounter this you can try adding a little cream to smooth it out if you’re using it for a sauce or drizzle, otherwise you do have to start over.

The best way to melt white chocolate is in a bowl over a pot of simmering water so you can slowly melt the chocolate at a low, indirect heat.

Which White Chocolate is Best for Melting

White chocolate is such a tricky thing to work with as all bags of white chocolate are NOT created equally. After a whole lot of testing we have to side with Cook’s Country who found Guittard to be the best. Ghirardelli though is a close second.

If you’re using white chocolate for dipping just go ahead and stick with almond bark. In fact, I even really like almond bark or white chocolate dipping discs for our stuffed cookies as they melt down all smooth and lovely unlike chocolate chips.

If you have almond bark just chop it up for our white chocolate banana bread.

A slice of banana bread loaded with white chocolate chipe!

Banana Bread Variations

  • Try adding chopped macadamia nuts to the batter and gently stir together the batter in a mixing bowl.
  • Brown sugar can be sprinkled across the top before baking for more of a topping.
  • Chopped pecans or walnuts make a lovely addition but I prefer to toast mine a little first. You can fold the nuts into the batter, or you can sprinkle on top before baking.
  • Coconut can also be folded in, especially shredded coconut alongside the macadamia nuts!
  • Mix up a little cream cheese frosting or drizzle to add after baking and cooling.

How to Store Banana Bread

Allow the banana bread to cool completely and then wrap tightly with saran wrap and place in a freezer ziploc bag to keep it from drying out . And never slice the bread before freezing. It will stay more fresh than exposing the inner bread.

Can You Freeze Banana Bread

The best thing to do with banana bread is to making a double batch, being sure you use nonstick cooking spray as you will need to remove it from the pan, allow to cool and then wrap tightly and finally seal in a gallon sized freezer bag.

Why Use Mushy Bananas for Banana Bread?

Ripe bananas are softer and easier to mash (preferably with a fork to avoid turning into a puree. However, they are also sweeter, which is why over-ripe bananas are called for in classic banana bread recipes.

A piece of brown parchment paper with a slice of white chocolate chip banana bread on top.

Why is My Banana Bread Still Doughy?

This often happens for one of two reasons:

  1. You’ve added too much liquid
  2. It has not completed its bake cycle. Be careful to check the top center of your banana cake before pulling it out of the oven.

What Happens When You Use Unripe Bananas for Banana Bread?

The banana bread will turn out more dry and it will lack banana flavor and sweetness which are two things that ripening helps to enhance- moistness and sweetness!

What Does Adding Baking Powder Do to Bread?

Baking powder is a leavening agent that helps the dough rise up into a domed loaf pan of deliciousness.

What is a Substitute for Baking Powder in Banana Bread?

If you do not have baking powder you can mix 1/2 teaspoon of cream of tartar with 1/4 teaspoon baking soda. Or you can also just use baking soda but you’d need three times less. Like 1 teaspoon baking soda would be three teaspoons of baking powder.

One of the best parts about banana bread is that you can serve it any way you’d like, whenever you’d like. Banana bread is a great option for breakfast, especially at parties or when you have guests. I personally love to eat banana bread with a smear of butter! Growing up, my mom would always slice up her fresh from the oven banana bread with a little butter (ok it was margarine! haha!)

Banana Bread RECIPES

Looking for more banana bread recipes? We definitely have you covered, are you ready?! 

White Chocolate Banana Bread

4.23 from 45 votes
Servings: 10
Prep Time: 10 minutes
Cook Time: 1 hour
Total Time: 1 hour 10 minutes


We’ve only given you 50 Banana Bread recipes, so why not make it 51 with this moist white chocolate banana bread full of white chocolate chips and banana flavor!


  • 2/3 Cup Coconut Oil, or canola oil
  • 1 Cup Sugar
  • 2/3 Cup Brown Sugar
  • 2 Large Eggs, room temperature
  • 2 1/2 Cups Flour, sifted
  • 1 1/4 teaspoon Baking Powder
  • 1 teaspoon Baking Soda
  • 1 teaspoon Salt
  • 1/2 teaspoon Cinnamon, optional
  • 1 3/4 Cups Mashed Banana, about 3 large bananas or 4 small
  • 2/3 Cup Buttermilk, or plain milk with 1 T white vinegar added
  • 2/3 Cup White Chocolate Chips


  • Preheat the oven to 350 degrees.
  • Spray a 9×5″ bread pan with nonstick spray.
  • In a large bowl, whisk together the oil and sugars.
    2/3 Cup Coconut Oil, 1 Cup Sugar, 2/3 Cup Brown Sugar
  • Add in the eggs and whisk again, but be sure to not over mix.
    2 Large Eggs
  • In a separate bowl, whisk together the flour, baking powder, baking soda, salt, and cinnamon (optional). Add to the wet ingredients and mix until the flour starts to become incorporated in.
    2 1/2 Cups Flour, 1 1/4 teaspoon Baking Powder, 1 teaspoon Baking Soda, 1 teaspoon Salt, 1/2 teaspoon Cinnamon
  • Add 1/2 of the bananas and 1/2 of the buttermilk. Mix until flour is dampened.
    1 3/4 Cups Mashed Banana, 2/3 Cup Buttermilk
  • Add remaining buttermilk and bananas and stir until just combined.
  • Switch to a rubber spatula or wooden spoon, add the white chocolate chips and gently fold everything together just until a few streaks of flour remain.
    2/3 Cup White Chocolate Chips
  • Pour into the prepared bread pan and bake for 50 minutes. At this point, barely open the oven and slide a piece of tinfoil over the bread, close the door and bake for the remaining 10 minutes.
  • Once the bread is done, open the oven door, turn off the oven and let the banana bread rest for 2-3 minutes, no longer, before carefully setting it on the counter for a few more minutes.
  • At this point, slide a knife around the inside of the pan and carefully turn the bread out into your other hand or onto the cooling rack directly if you are gentle. Place it right side up and allow to cool or be like us and dig in because warm bread is the best!


Banana bread can be kept at room temperature for up to 5 days.


Serving: 1sliceCalories: 490kcalCarbohydrates: 75gProtein: 6gFat: 20gSaturated Fat: 15gPolyunsaturated Fat: 1gMonounsaturated Fat: 3gTrans Fat: 0.003gCholesterol: 37mgSodium: 272mgPotassium: 313mgFiber: 2gSugar: 47gVitamin A: 103IUVitamin C: 3mgCalcium: 88mgIron: 2mg
Author: Sweet Basil
Course: Yeast Bread Recipes and Quick Bread Recipes


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a stack of sliced white chocolate banana bread