How to Make Healthy Chocolate Chip Banana Overnight Oats

A glass jar filled with chocolate chip banana overnight oats sits on a marble countertop. The oats are garnished with banana slices and chocolate chips, and a spoon dips into the jar.
Recipe At-A-Glance
Meal Prep5 minutes
Maybe you want just a little bit of decadence in the morning—if so, than these Banana Chocolate Chip Overnight Oats are for you! Sweetened and flavored with fresh banana and just a touch of dark chocolate chips for richness, they are a dessert-like breakfast that is healthy and nourishing.

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I tend to be one of those people that has a tiny sweet tooth in the mornings. I want something just a little sweet, but you’ll almost never see me reaching for a donut in the A.M. It’s just a bit too rich for my blood that early (hit me up later though)!

That’s why I love the balanced richness of these Chocolate Chip Banana Overnight Oats. A little bit fruity, a little bit chocolatey—they are my favorite way to get a nourishing and satisfying breakfast fast! Welcome to the magic that is that is overnight oats!

What are overnight oats?

You make overnight oats by mixing rolled oats with liquid and other mix-ins, and let it rest in the fridge for at least two hours, or preferably overnight (hence the name!). In the morning, you can grab it straight out of the fridge and eat it like a pudding—no cooking required. Or you can heat it up if you prefer. If you’re new to making overnight oatmeal and want a full primer (plus lots of other easy-to-make recipes), check out our Overnight Oats 101 post.

Eight different flavors of overnight oats, each in its own glass jar.

What makes overnight oatmeal so great?

Overnight oatmeal has been part of my weekly food prep routine for almost a decade now. Here is why it’s such a staple in our house:

  • You can make them your own. Make them vegan, gluten-free, or in whatever flavor combo strikes your fancy! It’s all doable because overnight oats are completely customizable. We’re covering Chocolate Chip Banana Overnight Oats in this post (which is a great, simple recipe to start with), but once you get the idea of overnight oats down, you can go wild making your own creations!
  • They can be as nourishing as you want them to be. You are in complete control of how healthy or decadent (or both!) these oats become. Reduce the added sweeteners, mix in some protein powder or collagen peptides, add in some superfoods like hemp seeds or chia seeds. The possibilities are endless!
  • They taste decadent and delicious! The oats soften up in the fridge to make a thick and sweet pudding that is totally yummy.
  • Overnight oats are the perfect prep-ahead breakfast. Spend just a few minutes in the evening, and you’ll have a grab-and-go breakfast in the morning!
  • Overnight oats are easy to make in bulk. They are a staple of many meal prep menus for good reason—you can mix up an entire week’s worth of breakfast in just a few minutes.

A hand pours milk from a glass jar into a white bowl. The white bowl is filled with other ingredients, including yogurt, chopped banana, chocolate chips, chia seeds, and rolled oats.

Can you make substitutions to this recipe?

Yes! Once you get the hang of making overnight oats, use your imagination and substitute away! Easily make these overnight oats vegan, gluten-free, low- or no-sugar by changing one or two ingredients. We cover all the substitutions you can make in our in-depth overnight oats post. Here are some specific swap ideas for these banana overnight oats:

  • Make it vegan: Use plant-based milk, plant-based yogurt, and maple syrup for sweetener.
  • Make it sugar-free: Drop the sweetener, make sure to use unsweetened peanut butter, and add 1/2 mashed ripe banana. Or use stevia or monk fruit sweetener in place of the maple syrup or honey, if you prefer.
  • Make it gluten-free: Make sure to use certified gluten-free oats.

Can you heat up overnight oats?

Yes, you can absolutely warm up these chocolate chip banana overnight oats. Just heat them in the microwave for 30-60 seconds, stirring frequently or in a small saucepan on the stove until heated to your liking.

Where can you find more overnight oats recipes?

We’ve got you covered when it comes to simple and easy overnight oats recipes! Here are some of the most well-loved recipes on Wholefully.

If you’re still skeptical, promise me you’ll at least try one batch before making judgment—it’s not an exaggeration to say that people have told me overnight oats have changed their life!

A glass jar filled with chocolate chip banana overnight oats sits on a marble countertop. The oats are garnished with banana slices and chocolate chips, and a spoon dips into the jar.

Healthy Banana Chocolate Chip Overnight Oatmeal Recipe

Yield: 1 large serving or 2 small
Prep Time: 5 minutes
Total Time: 5 minutes

Whip up these healthy Banana Chocolate Chip Overnight Oats for a speedy and nourishing breakfast—they are a little bit sweet, and a little bit decadent!


  • 1/3 cup plain Greek yogurt
  • 1/2 cup (heaping) rolled oats
  • 2/3 cup unsweetened milk of choice
  • 1 tablespoon chia seeds or ground flax meal
  • 1/2 teaspoon vanilla extract
  • Pinch of salt
  • 0–2 tablespoons honey or maple syrup
  • 1/2 ripe banana, chopped or mashed
  • 2 tablespoons chocolate chips


  1. Whisk together all ingredients in a medium-sized mixing bowl. Spoon into a jar with a tight-fitting lid.
  2. Close and refrigerate for at least 4 hours, but preferably overnight before eating.
Nutrition Information:
Yield: 2 Serving Size: 1
Amount Per Serving: Calories: 338Total Fat: 10gSaturated Fat: 4gTrans Fat: 0gUnsaturated Fat: 6gCholesterol: 8mgSodium: 129mgCarbohydrates: 55gFiber: 6gSugar: 34gProtein: 11g

At Wholefully, we believe that good nutrition is about much more than just the numbers on the nutrition facts panel. Please use the above information as only a small part of what helps you decide what foods are nourishing for you.

Cassie is the founder and CEO of Wholefully. She's a home cook and wellness junkie with a love of all things healthy living. She lives on a small hobby farm in Southern Indiana with her husband, daughter, two dogs, two cats, and 15 chickens.
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