Banana Chocolate Muffins with Streusel Topping

December 09, 2016

With just over two weeks until Christmas, I feel ill-prepared for holiday fun. I used to have all my gifts ready by October, and now I'm going shopping tomorrow (eek) for cards and small gifts to send home. I'm crossing my fingers that the packages will get there in time! We're dog-sitting for friends starting this week and staying at their house in the forest for almost three weeks, and I think that's part of the reason I don't feel as holly jolly yet. We didn't really bother decorating our house because we won't be here. I'm so excited to hang out with a dog, though, and she's such a sweetheart.

This healthy & vegan banana muffin recipe has been in the works for months now - I originally made it as a banana bread when we first moved in September, and I only had a few basic ingredients in the house. It ended up being the best banana bread I've ever tasted, and it knocked our socks off. I really love it in muffin form, with the chocolate surprise centre, but you can just as easily make it as a loaf instead. The entire recipe only has a half a cup of (healthier) sugar, including the streusel topping, but the ripe bananas more than make up for any loss of sweetness. Oats add a little texture, and dark chocolate is always a good idea. If you don't like chocolate, try adding a little dried fruit in its place or just leave it out. This recipe uses whole spelt flour, but I imagine it would also work with other flours if you don't have spelt. 

I know there are a million banana bread and banana muffin recipes out there, but I promise that this one is both foolproof and truly delicious. It's naturally vegan, and doesn't include any extra binding ingredients like chia, flax, or starch (!) because all of my latest recipes have been working fine without them. The original version of this recipe used chia, but the bananas hold everything together instead. This makes the muffins a little more decadent tasting and cake-like despite the lack of added sugar. I have another banana bread recipe from the very beginnings of this blog, but this one is my new favourite and, honestly, a million times better than the old recipe. As an extra bonus, the batter has only ten ingredients!

I eat at least two of these muffins a day when they're in the house, but you can freeze them if you have super self control. If they're only going to be frozen for a little while, place them in an airtight tupperware and freeze them as is. If you're planning on having them in the freezer for a month or two, wrap them in tin foil and then place them in a container to freeze. If you make the loaf and want to freeze it, wrap it in foil and then plastic wrap or another airtight container. 

Make sure to eat one of the muffins while it's still warm, and you get that molten chocolate centre!

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Banana Chocolate Muffins with Streusel Topping
Makes 12 muffins, or one loaf


1 1/2 cups whole spelt flour
1/2 cup rolled oats
1/4 cup coconut or dark raw sugar
2 teaspoons baking powder
1 teaspoon cinnamon
1/2 teaspoon sea salt
1/4 cup chopped dark chocolate
3 large, overripe bananas, mashed with a fork
1/2 cup oat or nut milk
1/4 cup olive oil*
12 pieces of dark chocolate for the muffin centres (about 1/2 oz each, see photo above)

Preheat your oven to 200C / 400F and grease or line a regular muffin tin.

In a large bowl, mix together the flour, oats, sugar, baking powder, cinnamon, and salt. Stir in the chopped chocolate.

In another bowl, whisk the bananas, milk, and oil together until smooth. Add the banana mixture to the dry ingredients and stir until just combined and no patches of flour remain. Be sure not to overmix as spelt is quite delicate.

Place about a tablespoon of batter in the bottom of each muffin tin. Add a piece of chocolate to each, and then cover with about two tablespoons of batter. They'll be almost full but that's normal. Sprinkle the streusel topping evenly over each muffin, and then bake for 18-22 minutes or until a toothpick is inserted and comes out clean. 

Let the muffins cool in the tin for ten minutes before removing and cooling completely on a rack before storing. They can be eaten warm (definitely) and keep well on the counter in a sealed container for up to three days. 

Streusel Topping

1/2 cup whole spelt flour
1/4 cup rolled oats
1/4 cup coconut or dark raw sugar
2 tablespoons coconut oil
1 tablespoon milk

Add all of the ingredients to a bowl and mix with a wooden spoon or your hand. I suggest using your hand to more easily incorporate the coconut oil. 

• To make a loaf instead, mix everything according to the instructions and then bake the batter in a greased loaf tin for 50-55 minutes, or until a toothpick comes out clean. Cool for 30 minutes in the pan and then cool completely on a rack. You can either leave the extra chocolate out or layer it in to the centre of the loaf.

1. You can use coconut oil in place of olive, or substitute a light tasting liquid oil like grape seed. The muffins will be slightly denser when they cool if you use coconut oil. 

8 comments on "Banana Chocolate Muffins with Streusel Topping"
  1. Well I yummed and pinned since I was here! These muffins have all the ingredients I love and use. I hardly use chia and flax in my vegan baking, too, and I agree, the ripe bananas will hold everything in place while giving that lovely flavor and texture. Great post! P.s. We're way behind with Christmas decorating and shopping, this year, too.

    1. Thanks Nicoletta! I was hoping that it'd be a recipe that people could make without having to go out and get groceries for it :)

  2. The streusel topping sounds delish!

    1. Thank you! It really takes the muffins over the top.

  3. Holy yum, these muffins look incredible! Chocolate and banana is always a great combo, but with the addition of streusel, it's even better! Dying for a bite :)

    1. Thank you! I'm just waiting for some bananas to turn brown so I can make them again!

  4. Love these! Especially that streusel topping.. Mmm.

    1. Thanks Aimee! The topping is my favourite part ;)