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    Home » Recipes » Desserts

    Chocolate Banana Pudding

    Published: Aug 26, 2025 by Cara Lanz · As an Amazon Associate I earn from qualifying purchases.

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    small white bowl of chocolate banana pudding.
    layered banana chocolate pudding dessert in a clear trifle bowl.
    layered banana chocolate pudding dessert in a clear trifle bowl.
    layered banana chocolate pudding dessert in a clear trifle bowl.
    layered banana chocolate pudding dessert in a clear trifle bowl.

    This decadent Chocolate Banana Pudding recipe comes together with layers of Chips Ahoy and Oreos, bananas, and creamy chocolate pudding for an easy no-bake dessert that's perfect for Thanksgiving, Christmas, or any special occasion. 

    Be sure to try my classic Banana Pudding with Vanilla Wafers and Banana Pudding Pie next! 

    layered banana chocolate pudding dessert in a clear trifle bowl.

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    Jump to:
    • ❤️You're Going to Love This
    • 🍋Ingredients
    • 🫐Variations or Substitutions
    • 🥣How to Make Chocolate Banana Pudding
    • ✅Top Tips
    • 🎁Storage
    • 🗓️Make Ahead
    • ❓FAQ
    • 😋More Easy Banana Desserts
    • 💌Let's Stay in Touch
    • 📖 Recipe

    ❤️You're Going to Love This

    • Rich, creamy layers of chocolate pudding, cookies, and bananas
    • No-bake recipe that's simple to prep ahead
    • Perfect for a trifle dish or a 9x13 pan
    • A crowd-pleasing make-ahead dessert for holidays and potlucks
    • Extra chocolaty flavor thanks to a few "secret ingredients"

    If your friends and family are chocolate lovers, you must bring this Chocolate Banana Pudding -- and the recipe! -- to your next holiday or gathering. It's a decadent, show-stopping dessert with layers of chocolate chip and chocolate cookies, bananas, and a thick, rich chocolate pudding that's sure to disappear fast. Perfect for potlucks, parties, and holiday dessert tables. Make it in a trifle bowl for a centerpiece dessert or in a 9x13 pan for easy serving at potlucks, parties, and holiday tables.

    For a fruity twist, head over to my other blog, Midwestern Holidays, for this layered Banana Strawberry Pudding recipe! 

    🍋Ingredients

    See recipe card at the bottom of the post for the full list of ingredients and exact amounts.

    chocolate banana pudding ingredients.
    • Cream cheese. Use Philadelphia block-style cream cheese for the best texture. Cream cheese spread is softer and won't thicken up as well. 
    • Sweetened condensed milk. I use Eagle Brand sweetened condensed milk. It has a thicker consistency than the store brands I've used. 
    • Instant chocolate pudding mix. You'll need two 4-serving-size boxes of chocolate or chocolate fudge instant pudding mix. Not cook'n serve. 
    • Cool Whip. Whipped topping is easy and convenient. If you don't love Cool Whip, take a look at Truwhip. You can also use homemade whipped cream (add the top layer just before serving). 
    • Fresh bananas. For the best texture and sweet banana flavor, use bananas that are just ripe enough to eat -- not overripe bananas, like what you'd use for banana bread. 
    • Cookies. Chips Ahoy and Oreos add even more rich chocolate flavor (and chocolate chips!) to this chocolate banana pudding. 
    • To doctor up the chocolate pudding mix, optional. I add unsweetened cocoa powder and instant espresso powder to chocolate pudding for deeper flavor.  

    🫐Variations or Substitutions

    • Cookies. You can also use vanilla wafers, shortbread cookies, Chessman cookies, separated Nutter Butters, or any thin, crunchy cookie. Homemade or chewy cookies don't absorb moisture and soften as well as crunchy cookies.  
    • Chocolate chips. Sprinkle a layer of chocolate chips or peanut butter chips between layers for decadence and crunch. 

    🥣How to Make Chocolate Banana Pudding

    cream cheese and condensed milk mixture in a white bowl.

    Step 1. Whip the cream cheese until smooth in a large bowl. Mix in the condensed milk until smooth. 

    chocolate pudding filling in a white bowl.

    Step 2. In a separate bowl, mix the chocolate pudding mix and 2 cups of milk on medium-high speed until lump-free. Slowly mix in the remaining milk until smooth. Mix the pudding into the cream cheese mixture and fold in ½ of the Cool Whip. 

    Chips Ahoy and Oreos layered in a clear trifle dish.

    Step 3. Place a layer of cookies on the bottom of a clear glass bowl, trifle dish, or 9x13 baking dish.

    bananas layered over cookies in a clear trifle bowl.

    Step 4. Arrange a layer of bananas evenly on top of the cookies.  

    hand holding an offset spatula spreading cool whip on top of a layered banana chocolate pudding dessert in a clear trifle bowl.

    Step 5. Spread the pudding over the bananas. Repeat the layers 1-3 times, depending on the size of your dish. Spread the rest of the Cool Whip on top of pudding. 

    layered banana chocolate pudding dessert in a clear trifle bowl.

    Step 6. Cover and chill for at least 4 hours, but overnight is best. Before serving, top with fresh banana slices, cookie pieces, and crushed Oreos. 

    👉Helpful Hint: Cover the bananas completely with the pudding mixture to prevent browning.

    ✅Top Tips

    • Use very ripe bananas for the sweetest flavor.
    • Make sure the cream cheese is very soft so it blends smoothly and lump-free.
    • Separate the Oreos so they get soft and cakey. They take longer to soften when left whole. 
    • Chill at least 4 hours (but overnight is best) for the cookies to soften into cake-like layers.
    • Add broken and crushed cookies and banana slices just before serving to keep them fresh. 

    🎁Storage

    Store leftover chocolate banana pudding in the refrigerator, wrapped in plastic wrap or in an airtight container, for 3-4 days.

    🗓️Make Ahead

    Chocolate Banana Pudding is an ideal make-ahead dessert, as it's best when made a day in advance to allow the cookies to soften into cake-like layers. 

    ❓FAQ

    How ripe should the bananas be for chocolate banana pudding?

    Use yellow bananas with a few brown spots. They're sweet and firm enough to slice without getting mushy.

    How do I keep bananas from turning brown in banana pudding?

    Completely cover them with the pudding layer to slow oxidation, or lightly brush them with lemon juice.

    Can I make chocolate banana pudding ahead of time?

    Yes, chocolate banana pudding is best the next day. Assemble the dessert 4-24 hours in advance so the cookies soften into cake-like layers.

    What's the best dish to use for banana pudding?

    A clear trifle dish or glass bowl makes a beautiful holiday centerpiece, while a 9x13 pan is easy to transport and serve at potlucks and family gatherings.

    Do the cookies get soggy?

    They soften into a cake-like texture, which is part of what makes banana pudding so good! For crunch, sprinkle fresh crushed cookies on top before serving.

    Can I freeze banana pudding?

    No, freezing isn't recommended. The bananas get mushy, and the pudding texture changes.

    spoon lifting a bite of chocolate banana pudding.

    😋More Easy Banana Desserts

    • easy banana pudding in a trifle dish on a blue and white napkin
      Easy Banana Pudding with Vanilla Wafers
    • slice of banana pudding pie on white plate.
      Banana Pudding Pie (No Bake)
    • banana pudding cup in a mason jar on a white plate
      Banana Pudding Jars
    • banana chocolate chunk muffin half on a white plate.
      Chocolate Chunk Banana Muffins

    💌Let's Stay in Touch

    Follow Midwestern HomeLife on Facebook, Instagram, and Pinterest, and subscribe via email to receive all of the latest recipes!

    📖 Recipe

    Chocolate Banana Pudding

    Cara Lanz
    This rich and creamy Chocolate Banana Pudding is layered with Oreos, Chips Ahoy, bananas, and a decadent chocolate pudding filling. Easy, make-ahead dessert, perfect for holidays or gatherings.
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    Prep Time 20 minutes mins
    Chilling Time 4 hours hrs
    Total Time 4 hours hrs 20 minutes mins
    Course Dessert
    Cuisine American
    Servings 20
    Calories 294 kcal

    Ingredients
      

    • 8 ounces softened cream cheese
    • 14 ounce can sweetened condensed milk
    • 2 3.9 oz. boxes instant chocolate fudge pudding
    • optional for richer chocolate flavor : ⅓ cup unsweetened cocoa powder and 1 teaspoon espresso powder
    • 2 ¾ cups cold milk
    • 8 ounces Cool Whip, divided
    • 25-30 Chips Ahoy cookies
    • 15-20 Oreo cookies, separated
    • 5-7 ripe bananas, sliced
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    Instructions
     

    • In a large mixing bowl, beat the softened cream cheese until smooth. Add the condensed milk and mix until there are no lumps.
    • In a second bowl, mix the pudding mix, cocoa powder, and espresso powder (if using), and about 2 cups milk. Mix on high speed until smooth, then slowly mix in the rest of the milk.
    • Pour the pudding into the cream cheese mixture and mix until completely combined. Fold in ½ of the Cool Whip.
    • Line the bottom of a trifle dish, clear bowl, or 9x13 baking dish with a layer of Chips Ahoy and Oreo halves.
      Add a layer of banana slices on top of the cookies.
      Spread a layer of the pudding mixture evenly over the bananas.
      Repeat 1-3 times, depending on the size of your dish.
      Three layers worked perfectly in my trifle dish. One to two layers will work well in a 9 x 13 pan.
    • Spread the remaining Cool Whip on top of the pudding. Cover and chill for at least 4 hours, but overnight is best.
    • Immediately before serving, top with cookie pieces or crumbs and fresh banana slices.
    • Store leftover chocolate banana pudding wrapped in plastic wrap or in an airtight container in the refrigerator for 3-4 days.

    Notes

    • Let the cream cheese come to room temperature so it blends easily and stays lump-free.
    • Split the Oreos in half before layering-this helps them soften faster.
    • For the best texture, refrigerate the pudding dessert at least 4 hours (overnight is even better for soft, cake-like cookies).
    • Make sure the bananas are fully coated in pudding to prevent browning.
    • Sprinkle the crushed cookies on top just before serving to keep their crunch.

    Nutrition

    Calories: 294kcalCarbohydrates: 48gProtein: 7gFat: 9gSaturated Fat: 5gPolyunsaturated Fat: 1gMonounsaturated Fat: 3gTrans Fat: 0.1gCholesterol: 12mgSodium: 350mgPotassium: 358mgFiber: 2gSugar: 34gVitamin A: 120IUVitamin C: 3mgCalcium: 150mgIron: 2mg
    Tried this recipe?Let us know how it was!

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    Hi, I'm Cara!

    I love sharing easy, delicious everyday recipes from the heartland.

    Whether you're looking for a fast and easy dinner recipe, something yummy for a potluck or holiday gathering, or just a little inspiration, I hope you'll find something you love here.

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