These banana cupcakes are made with mashed overripe bananas for a naturally moist, tender crumb. Each cupcake is topped with my No-Grit Cream Cheese Buttercream a dark chocolate sauce, and a sprinkle of crushed meringue for a little crunch.

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Why These Banana Cupcakes Work
These banana cupcakes come together with everyday ingredients and no special equipment. The overripe bananas do most of the work as they add natural sweetness and keep the crumb moist without needing extra oil. The dark chocolate sauce takes minutes to make in the microwave, and the cream cheese frosting pipes cleanly every time. Topped with crushed meringue, you get a contrast of textures in every bite.
More Easy Banana Recipes
If you enjoy baking with overripe bananas, here are a few more recipes from my kitchen worth trying:
- Easy Banana Bread, a straightforward one-bowl banana bread that comes together quickly.
- Chocolate Banana Cake Recipe, a rich, fudgy cake that uses ripe bananas to keep it moist.
- Cheesecake Stuffed Banana Loaf, a banana loaf with a creamy cheesecake layer baked right through the center.
Ingredients In Banana Cupcakes
Banana Cupcakes:
- Unsalted butter, softened: creams with the sugar to give the cupcakes a light, tender crumb.
- Brown sugar: adds a deeper, caramel-like sweetness that pairs well with banana.
- Eggs: bind the batter and add structure.
- Overripe bananas: the riper the better. Look for heavily spotted or fully black bananas. They mash easily and give the cupcakes their moisture and natural sweetness. Bright yellow bananas will not give you the same result.
- Self-rising flour: gives the cupcakes their rise without needing extra leavening.
- Sour cream or yogurt: keeps the crumb moist and adds a slight tang.
- Milk: loosens the batter to the right consistency
Cream Cheese Frosting
My No-Grit Cream Cheese Buttercream is the frosting I use on these banana cupcakes. It pipes beautifully, holds its shape, and has a smooth tangy finish that balances the sweetness of the banana cake and the richness of the chocolate sauce. It is also grit-free.
Chocolate Sauce and Garnish:
- Dark chocolate and heavy cream: melted together to make a smooth, pourable chocolate sauce.
- Crushed meringue: sprinkled on top for a light crunch that contrasts with the soft cupcake and smooth frosting.
Is there a substitute for Self-Rising Flour?
If you don't have self-rising flour, you can make your own using all-purpose flour and baking powder. For each cup needed, combine:
- 120g (1 cup) all-purpose flour
- 7.5g (1ยฝ teaspoons) baking powder
- 1.25g (ยผ teaspoon) salt
Since this recipe uses 2ยฝ cups of self-rising flour, you will need:
- 3g (โ teaspoon) salt
- 300g (2ยฝ cups) all-purpose flour
- 18.75g (3ยพ teaspoons) baking powder

How To Make Banana Cupcakes
Preparation
Preheat your oven to 180C (355F). Grease a 12-hole muffin tray or line it with cupcake liners and set aside.
Mash Bananas
Peel and mash the overripe bananas until smooth. The riper your bananas, the easier they mash and the more flavor they bring to the cupcakes.

Cream Butter and Sugar
In a large mixing bowl, beat the softened butter and brown sugar with a hand mixer until well combined and pale in color. This step incorporates air into the batter, which gives the cupcakes a lighter crumb.

Add Eggs
Add the eggs one at a time, mixing well after each addition until fully incorporated.

Mix in Bananas and Dairy
Add the mashed bananas and mix until just combined. Add the sour cream or yogurt and mix briefly, then add the milk and mix again until just combined.

Fold in the Flour
Add the self-rising flour and fold gently with a silicone spatula until no dry streaks remain. Do not overmix, stop as soon as the flour is incorporated. Overmixing develops gluten and results in dense cupcakes.

Fill the Tray and Bake
Use a large ice cream scoop to portion the batter evenly into the prepared tray. Bake for 30-35 minutes, or until a toothpick inserted into the center comes out clean. Start checking at the 25-minute mark to avoid overbaking.

Cool the Cupcakes
Leave the cupcakes in the tray for 5 minutes, then transfer to a wire rack to cool completely before decorating.

Make the Chocolate Sauce
Combine the dark chocolate and heavy cream in a microwave-safe jug. Microwave in 30-second bursts, stirring between each, until smooth. Set aside to cool to lukewarm before drizzling.

Decorate
Pipe a generous amount of cream cheese buttercream onto each cooled cupcake, drizzle with the chocolate sauce, and finish with a sprinkle of crushed meringue.


Tips for Light and Moist Banana Cupcakes
Use overripe bananas. The darker and spottier the better. Overripe bananas have a higher sugar content and more moisture than fresh bananas, which directly affects the texture and flavor of the finished cupcake.
Do not overmix once the flour goes in. Fold gently with a spatula and stop as soon as no dry streaks remain. A few small lumps in the batter are fine.
Bring your butter and eggs to room temperature before you start. Cold butter will not cream properly and cold eggs can cause the batter to curdle.
Start checking at 25 minutes. Ovens vary and overbaked banana cupcakes dry out quickly. A toothpick inserted into the center should come out clean with no wet batter attached.
Cool completely before decorating. Frosting and chocolate sauce applied to a warm cupcake will slide off and lose their shape.
How to Store Banana Cupcakes
Store unfrosted banana cupcakes in an airtight container at room temperature for up to 3 days. Once frosted and decorated with chocolate sauce and crushed meringue, store them in the refrigerator and bring to room temperature for 20-30 minutes before serving. The meringue will soften in the fridge overnight, so add it just before serving if you want to keep the crunch.
To freeze, wrap unfrosted cupcakes individually in plastic wrap and place them in a freezer-safe bag. They keep well for up to 3 months. Thaw at room temperature, then frost and decorate just before serving.
Cake Recipes You Might Like
Banana Cupcake FAQs
Yes. For every cup of self-rising flour, combine 120g (1 cup) all-purpose flour with 7.5g (1ยฝ teaspoons) baking powder and 1.25g (ยผ teaspoon) salt. See the full substitution breakdown above.
Use an equal amount of buttermilk, or make your own by adding 1 tablespoon of white vinegar or lemon juice to โ cup of milk. Let it sit for 5 minutes before using.
Yes. Bake the cupcakes a day in advance and store them unfrosted in an airtight container at room temperature. Add the frosting, chocolate sauce, and crushed meringue on the day of serving.
Yes. Freeze unfrosted cupcakes individually wrapped in plastic wrap inside a freezer-safe bag for up to 3 months. Thaw at room temperature before frosting and decorating.
Yes. White chocolate makes a sweeter, creamier sauce. Watch it closely when melting as it seizes more easily than dark chocolate.
Store frosted cupcakes in an airtight container in the refrigerator for up to 3 days. Bring to room temperature for 20-30 minutes before serving. Add the crushed meringue just before serving to keep the crunch.
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Banana Cupcakes with Chocolate Sauce and Cream Cheese Frosting
INGREDIENTS
Banana Cupcakes
- 125 g (ยฝ cups) butter unsalted and softened
- 155 g (5ยฝ oz) brown sugar
- 2 eggs large
- 2 bananas large and very ripe
- 2ยฝ cups (10ยฝ oz) self-rising flour
- ยฝ cup sour cream or yogurt
- โ cup milk
Chocolate Sauce
- 100 g (3 ยฝ oz) dark chocolate
- 80 g (โ cup) heavy cream
No-Grit Cream Cheese Buttercream
- No-Grit Cream Cheese Buttercream 1 batch Cream Cheese Buttercream
Garnish
- 2 tablespoon crushed meringue
INSTRUCTIONS
Banana Cupcakes
- Preheat your oven to 180ยฐC (355ยฐF). Grease a cupcake or muffin tray, or line them with baking cups.
- Mash the bananas well and set aside.
- In a mixing bowl, combine softened butter and sugar. Use a hand mixer to blend until well combined.
- Add eggs one at a time, mixing well after each addition. Then, add the mashed bananas and mix until just combined.
- Incorporate the sour cream (or yogurt) with a brief mix, then add the milk and mix again until just combined.
- Fold in the flour with a silicone spatula until just mixed and no dry flour remains. Be careful not to overmix.
- Portion the batter into the prepared tray using a large ice cream scoop.
- Bake for 25-30 minutes, or until a toothpick inserted comes out clean.
- Cool the cupcakes for 5 minutes in the tray, then transfer to a wire rack to cool completely before decorating.
Chocolate Sauce
- For the chocolate sauce, combine chocolate and cream in a microwave-safe jug. Microwave in 30-second bursts, stirring until smooth. Allow cooling to lukewarm.
Decorate Cupcakes
- Decorate the cupcakes with a generous amount of cream cheese buttercream, drizzle with chocolate sauce, and sprinkle with crushed meringues.














Mel says
Nice and moist. Great texture. Thanks!
Fay says
Glad you like it! It's my go-to for leftover bananas.