Banana Chocolate Baked Oats

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  • Have you seen this new viral TikTok trend? It is basically cake for breakfast made from blended oats and a few other kitchen staples. And for this gal who doesn’t really like the texture of traditional oatmeal recipes, that means I get all the goodness, but in cake form.

    close up of spoon digging into baked oats with a strawberry and chocolate

    And the other best part? All you need is a blender and 8-ounce ramekins (or something similar to that) and you don’t have a ton of dishes. The customizations are endless so you can literally never get bored. So the only real question is… what is your favorite combo?

    What are Baked Oats?

    When I first heard the term baked oats I figured it was more of an overnight oats or oatmeal casserole, but I was incorrect. They are quick cooking oats blended with cake ingredients and your desired flavors and add-ins and then baked in individual serving ramekins.

    close up of creamy baked oats with chocolate

    The result is a fluffy cake for breakfast that you can feel good about. Ripe banana and maple syrup, a natural sweeter, give all of the sugar you’ll need and the rest are wholesome, protein-packed ingredients.

    Baked Oats Recipe

    The only thing tricky with baked oats recipes is getting the right amounts of liquid, sweenter and binder. The oats need enough moisture to plump up while baking and some things, like peanut butter, are there to make them creamy, but not for absorption. This is a base recipe that can be modified in so many ways. Make sure to scroll down for the customizations!

    • Old fashioned rolled oats– Please make sure you use rolled oats or quick cooking oats (quick oats), this means that they have been rolled flat so that there is more surface area, which ensures they cook faster. It also means that when you blend them, they break down smoother into near oat flour, but with a little texture. The alternative are steel-cut oats, but they do not work as well.
    • Ripe banana– Ripe bananas have naturally turned into fructose. They are sweeter and give more of a banana flavor. Ideally they are a day or two browner than you’d want to eat one right out of the peel.
    • Milk- Any type of milk, including non dairy milks, can be used. This includes whole milk, skim milk, oat milk, almond milk or even coconut milk.
    • Egg- this works as the binder and leavener so you get that cake-like texture. Two eggs whites will also work, but won’t be as rich.
    • Creamy Peanut Butter– Do you see the creaminess of the mixture on the spoon? That comes from the PB. Nutella or almond butter are other great options.
    • Maple syrup– Make sure to use REAL maple syrup- not “maple flavored syrup”. Honey or agave nectar can also be swapped.
    • Baking powder- Gives it lift and fluff. Can be omitted, but will be denser since the baking soda isn’t there to make little air pockets.
    • Ground cinnamon– Also optional, but who doesn’t love oats with cinnamon?
    • Vanilla extract– Also use almond extract or omit.
    • Fine sea salt– Double the amount if using a coarse salt. This helps to balance and accentuate natural flavors.
    • Chocolate chips– I’m a dark chocolate kinda gal, but milk chocolate, semi-sweet or even peanut butter or caramel chips are great options.
    baked oats casseroles in personal dishes with fresh fruit and chocolate chips

    How to Make Baked Oats

    Making baked oats is pretty foolproof as long as you have a blender. This Ninja version is awesome and also has a mini processor and personal blender option (for morning smoothies). Not to mention awesome for grinding ice in daiquiris… yes, I am already thinking about happy hour.

    1. Preheat and prepare two 8-ounce oven-safe bowls or ramekins. You can use other ove-safe options, but make sure they aren’t too tall or the mixture will not bake properly. If they are wider, and thus the mixture is flatter, then the baking time will be reduced. Also bake them in a muffin pan, but reduce cooking time to 15-18 minutes.
    2. Add all of the ingredients, except the chocolate chips, to your blender and blitz until fully combined and mixture starts to smooth. It might not be fully smooth and that is fine.
    step-by-step on how to make baked oats
    1. Stir in 2 tablespoons of the chocolate chips by hand so they don’t get all chopped up by the blender blades. I just blob them in there with a spatula.
    baked oats batter with chocolate chips in a blender
    1. Pour the blended oats into your bowls and top with the remaining chocolate chips so they get all melty and gooey on top.
    2. Bake them until they pass the toothpick test. Mixture can be a little loose and creamy.
    3. Let it rest for 5 minutes so you don’t burn your mouth.
    baked oats in a bowl with chocolate chips

    Variations and Toppings

    These are all simple ingredients with so many options. I’m sure you can find something in your pantry that works without a special trip to the grocery store.

    • Chocolate Baked Oats– Omit the banana, peanut butter and maple syrup and add 1 tablespoon of cocoa powder and 2 tablespoons of plain or vanilla yogurt to the mix.
    • Chocolate Chip Baked Oats– Omit the banana and peanut butter, swap honey for maple syrup and plain or vanilla yogurt for the peanut butter.
    • Bananas Foster Baked Oats– Omit the peanut butter and chocolate chips. Swap the peanut butter for plain or vanilla yogurt and add freshly sliced bananas and caramel sauce to the top after baking.
    • Strawberry Cream Baked Oats – Omit the banana and peanut butter, swap maple syrup for honey and plain or vanilla yogurt for the peanut butter. Omit chocolate chips, adding 2 tablespoons of dehydrated strawberries instead. Top with fresh strawberry slices and whipped cream.
    • Cinnamon Sugar Baked Oats– Omit the banana, peanut butter and chocolate chips. Use 2-3 tablespoons of vanilla yogurt and top with a sprinkling of cinnamon sugar before baking.
    • Peanut Butter Jelly Baked Oats– Omit the banana and chocolate chips. After pouring into baking dishes, swirl with your favorite jelly or jam. Top with peanut butter chips.
    • Apple Baked Oats– Swap peanut butter for vanilla yogurt and banana for 1 cup of unsweetened applesauce.

    Syrups, fresh fruit sauces, fresh fruit (likes berries) and dehydrated fruit are also fun to add. Add a scoop of protein powder or spoon of flaxseed or even dry fiber or vital proteins collagen.

    close up of creamy chocolate baked oats

    Make Ahead & Storage

    Baked oats are best enjoyed fresh, but you can make the mixture ahead of time and give it a quick stir before baking. Alternately, you can go ahead and bake and reheat in the microwave or the oven. Store leftovers in an airtight container or topped with plastic wrap for up to 3 days.

    Unfortunately, they do not freeze well. They thaw a little globby.

    baked oats recipe for pinterest

    More easy breakfast recipes:

    Mushroom Spinach Egg Muffins
    overhead of egg muffins on a white plate
    Mushroom Spinach Egg Muffins are the perfect idea for making ahead to freeze in individual serving sizes, or for guests for brunch or breakfast!
    Crustless Spinach Quiche
    angle view of crustless spinach quiche
    This Crustless Spinach Quiche recipe is the BEST! It has less than 10 ingredients and it's perfect for breakfast or brunch.
    Sheet Pan Pancakes
    Fluffy Sheet Pan Pancakes are a quick & easy way to make breakfast for a group. With tons of options for add ins, this will surely be your go to breakfast!

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    close up of baked oats with fresh fruit
    spoon digging into a bowl of creamy baked oats
    Print Recipe
    5 from 5 votes

    Banana Chocolate Baked Oats

    Creamy blended baked oats using banana, peanut butter and chocolate chips, but with 11 other variations!
    Prep Time5 mins
    Cook Time25 mins
    Total Time30 mins
    Course: Breakfast
    Cuisine: American
    Keyword: baked oats, baked oats recipe, blended baked oats
    Servings: 2
    Calories: 556kcal
    Author: Kathryn Donangelo



    • Preheat the oven to 350°F and grease 2 8-ounce oven-safe bowls or ramekins. set aside.
    • Add the oats, banana, milk, egg, peanut butter, maple syrup, baking powder, cinnamon, vanilla and salt to a blender. Blend until fully combined and mixture starts to smooth, approximately 1 minute.
    • Stir in 2 tablespoons of the chocolate chips by hand.
    • Pour the blended oats into the prepared bowls and top with the remaining chocolate chips.
    • Bake for 25 minutes or until it passes the toothpick test. Mixture can be a little loose and creamy. Remove and let it rest for 5 minutes before enjoying.
    • If you've tried this recipe, come back and let us know how it was in the comments or ratings section.


    Also bake them in a muffin pan, but reduce cooking time to 15-18 minutes.


    Calories: 556kcal | Carbohydrates: 73g | Protein: 16g | Fat: 24g | Saturated Fat: 9g | Polyunsaturated Fat: 4g | Monounsaturated Fat: 9g | Trans Fat: 1g | Cholesterol: 89mg | Sodium: 284mg | Potassium: 848mg | Fiber: 9g | Sugar: 33g | Vitamin A: 267IU | Vitamin C: 5mg | Calcium: 194mg | Iron: 4mg

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