Overnight Oats Banana Chocolate

Featured in: Morning Comfort Bowls

This creamy, no-cook breakfast combines oats soaked overnight with milk, yogurt, chia seeds, and sweeteners to create a smooth texture. Topped with ripe banana slices and chopped dark chocolate, it offers a satisfying balance of natural sweetness and rich cocoa flavors. Simply mix the base ingredients, refrigerate overnight, then serve chilled with optional nuts and a pinch of sea salt for enhanced flavor. It's a nutritious, quick-prep option that supports a busy morning routine while delivering wholesome ingredients and comforting taste.

Updated on Mon, 16 Feb 2026 15:40:00 GMT
A jar of creamy overnight oats layered with fresh banana slices and rich dark chocolate chunks.  Save
A jar of creamy overnight oats layered with fresh banana slices and rich dark chocolate chunks. | cookinget.com

There's something almost meditative about assembling overnight oats the night before, knowing that while you sleep, the oats are quietly becoming something creamy and substantial without any heat. I discovered this particular combination on a chaotic Tuesday when I'd forgotten to meal prep and found myself staring into the pantry at midnight, suddenly grateful that ripe bananas and dark chocolate could transform such simple ingredients into breakfast that felt intentional. The beauty of it is that you're not really cooking—you're just orchestrating a quiet transformation that happens in your fridge.

My teenage nephew surprised me by actually finishing a bowl of these one Saturday when I'd made an extra jar, which felt like a small victory considering his usual breakfast consists of whatever's quickest. He asked if I'd put chocolate in oatmeal on purpose, and when I said yes, he looked at me like I'd finally done something right in his eyes. That moment made me realize this recipe works not because it's trendy, but because it genuinely tastes good to people who wouldn't normally get excited about oatmeal.

Ingredients

  • Old-fashioned rolled oats (1 cup): These larger flakes soften without getting mushy overnight, maintaining a pleasant texture that feels substantial rather than porridge-like.
  • Milk, dairy or plant-based (1 cup): This is your hydration engine—dairy milk creates a richer base, while oat or almond milk keeps things lighter if that's your preference.
  • Greek yogurt or plant-based alternative (1/2 cup): The protein and tang here transforms the whole bowl into something that actually keeps you full, not just satisfied for twenty minutes.
  • Chia seeds (1 tablespoon): These tiny seeds absorb liquid and add a subtle texture plus omega-3s that make you feel like you're doing something good for yourself.
  • Maple syrup or honey (1 tablespoon): Just enough sweetness to highlight the chocolate without making this feel like dessert for breakfast.
  • Vanilla extract (1/2 teaspoon): A whisper of vanilla deepens everything, making the chocolate taste richer than it actually is.
  • Ripe banana, sliced (1 large): The ripeness matters here—you want that natural sweetness and soft texture that plays beautifully with the cold oats.
  • Dark chocolate, chopped (30 g): Use something you'd actually eat on its own; the quality makes a real difference in how this tastes in the morning.
  • Nuts, chopped (2 tablespoons optional): Walnuts or almonds add a slight crunch that reminds your mouth something interesting is happening.
  • Sea salt (pinch, optional): This tiny detail elevates the chocolate flavor in ways that seem impossible until you try it.

Instructions

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Combine your base:
In a bowl or jar, mix oats, milk, yogurt, chia seeds, maple syrup, and vanilla until everything is evenly distributed. Stir thoroughly—you don't want pockets of dry oats hiding at the bottom waiting to surprise you in the morning.
Cover and chill overnight:
Refrigerate for at least 6 hours, though overnight is ideal—this is when the oats absorb liquid and soften while the flavors meld into something that tastes intentional. If you're in a hurry, 4 hours will work in a pinch, but you'll notice the difference.
Adjust consistency in the morning:
Give everything a good stir because the oats keep absorbing liquid, and you might find it's thicker than you expected. Add a splash of milk until it feels right to you—creamy but not soupy.
Divide and dress:
Split between two bowls or jars, then top each with banana slices, dark chocolate pieces, and nuts if you're using them. A tiny pinch of sea salt on top makes all the chocolate flavors wake up.
Serve chilled:
Eat it straight from the fridge, or let it sit for a few minutes at room temperature if you prefer things less cold. Either way, you've made breakfast without breaking a sweat.
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Velvety overnight oats topped with ripe banana, dark chocolate chips, and a sprinkle of chopped nuts.  Save
Velvety overnight oats topped with ripe banana, dark chocolate chips, and a sprinkle of chopped nuts. | cookinget.com

There was one morning when I made this for a friend who'd had a rough night, and watching her sit on my kitchen counter in the early light, actually taking her time with breakfast instead of rushing through it, reminded me that sometimes the simplest recipes hold more weight than we give them credit for. It wasn't fancy, but it mattered because it meant I'd thought about her.

The Overnight Oats Philosophy

This entire concept is built on the premise that breakfast can be both lazy and intentional, which honestly changed how I think about mornings. You're not sacrificing quality by making this the night before—you're actually making something better because all those hours in the fridge let the flavors develop and the texture mature into something creamy that you couldn't achieve if you mixed it fresh. It feels like a small magic trick that never gets old.

Flavor Combinations That Actually Work

Banana and dark chocolate are one of those combinations that feels obvious once you've tasted it, but getting the proportions right matters more than you'd think. Too much chocolate makes it feel less like breakfast and more like indulgence, while too little gets lost in the creamy base. Finding that balance where you taste the chocolate in every spoonful but still remember you're eating something that happens to be good for you is the sweet spot, and honestly, once you nail it, you stop experimenting because why mess with perfection.

Making It Work For Your Life

The real genius of overnight oats is that you can make them once and eat them twice, which means fewer decisions on mornings when you're barely conscious. You can also prepare a week's worth if you have the jars, though I've found that three days is usually my limit before the texture starts deteriorating slightly. The toppings are where you get to play—same base, endless variations depending on what's in your fruit bowl or what mood you're in.

  • Swap the banana for berries, pears, or even diced apple if that's what feels right that morning.
  • A drizzle of nut butter stirred into the base adds richness without changing the structure of the whole bowl.
  • If you're vegan or dairy-free, certified gluten-free oats with plant milk and coconut yogurt work beautifully with no loss of texture or satisfaction.
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A breakfast jar filled with chilled oats, sweet banana, and decadent dark chocolate for a healthy start. Save
A breakfast jar filled with chilled oats, sweet banana, and decadent dark chocolate for a healthy start. | cookinget.com

This is the kind of breakfast that asks nothing of you except patience, and gives back the gift of a morning that doesn't require negotiation with yourself. Make it once, and you'll understand why it stuck around.

Recipe FAQs

How can I make overnight oats creamier?

Using Greek yogurt and chia seeds can add creaminess and thickness. Adding a splash of milk in the morning can adjust texture to preference.

Can I substitute dark chocolate with another topping?

Yes, nuts, berries, or nut butters can provide different textures and flavors while maintaining richness.

Is it necessary to refrigerate overnight?

Yes, refrigerating allows the oats to soften and flavors to blend, resulting in a smooth, ready-to-eat dish.

Can plant-based milk and yogurt be used?

Absolutely, plant-based alternatives work well and keep this option suitable for various diets.

How can I increase protein content?

Incorporate Greek yogurt or a scoop of protein powder into the mixture before chilling.

Overnight Oats Banana Chocolate

A creamy no-cook breakfast with ripe banana, dark chocolate, and oats chilled overnight for morning ease.

Prep Duration
10 minutes
0
Overall Time
10 minutes
Recipe by Sophie Daniels


Skill Difficulty Easy

Cuisine International

Output 2 Portion Count

Diet Preferences Vegetarian Option

What You'll Need

Oats Base

01 1 cup old-fashioned rolled oats
02 1 cup milk, dairy or plant-based
03 1/2 cup plain Greek yogurt or plant-based yogurt
04 1 tablespoon chia seeds
05 1 tablespoon maple syrup or honey
06 1/2 teaspoon pure vanilla extract

Toppings

01 1 large ripe banana, sliced
02 1 ounce dark chocolate, chopped or in chips
03 2 tablespoons chopped walnuts or almonds, optional
04 Pinch of sea salt, optional

Directions

Step 01

Combine Base Ingredients: In a medium bowl or large jar, combine oats, milk, yogurt, chia seeds, maple syrup, and vanilla extract. Stir thoroughly until all ingredients are evenly distributed.

Step 02

Chill Overnight: Cover the mixture and refrigerate for at least 6 hours or overnight to allow oats to soften and flavors to meld.

Step 03

Adjust Consistency: In the morning, stir the oat mixture well. If the texture is too thick, add a splash of milk to achieve your preferred consistency.

Step 04

Portion into Bowls: Divide the prepared oat mixture evenly between two serving bowls or jars.

Step 05

Add Toppings: Top each portion with sliced banana, chopped dark chocolate, and nuts if desired. Sprinkle with a pinch of sea salt for enhanced flavor if preferred.

Step 06

Serve: Serve the overnight oats chilled.

Essential Tools

  • Mixing bowl or large jar
  • Spoon or stirring utensil
  • Measuring cups and spoons
  • Knife and cutting board

Allergy Details

Review all ingredients for allergens. Ask a medical expert when uncertain.
  • Contains milk if using dairy milk or yogurt products
  • Contains tree nuts if walnuts or almonds are added
  • Dark chocolate may contain traces of milk or tree nuts
  • Oats are naturally gluten-free but may be cross-contaminated during processing; use certified gluten-free oats if necessary
  • Verify all product labels including chocolate and plant-based alternatives for undeclared allergens

Nutrition Facts (per portion)

These numbers offer reference only, not medical guidance.
  • Energy Value: 320
  • Fats: 10 g
  • Carbohydrates: 48 g
  • Proteins: 9 g