Baked oats are one of my favorite things EVER to make for breakfast—or honestly even as a healthy, high-protein dessert for one. Imagine a warm, fluffy, chocolate chip banana bread, but made just for you. It’s high in protein, has zero added sugar, and quite literally tastes like you’re eating cake for breakfast. Who could say no to that? This single-serve baked oats recipe is quick, easy, and packed with wholesome ingredients, making it perfect for busy mornings or cozy nights when you want something sweet and nourishing.

Healthy single-serve baked oats, banana, almond butter, and plant-based protein, topped with melty chocolate chips. This gluten-free, high-protein breakfast recipe is quick, easy, and tastes like cake for breakfast.

This Banana Bread Chocolate Chip Baked Oats recipe is the ultimate breakfast, post-workout snack, or wholesome dessert. It tastes just like a warm slice of banana bread with melty chocolate chips, but it’s secretly packed with plant-based protein, fiber, and healthy fats to keep you full and energized. With just a handful of ingredients and a few minutes of prep, it bakes into a fluffy, cake-like dish that’s gluten free, dairy free, and naturally sweetened.

Inspired by a classic banana bread muffin, this baked oat recipe blends oat flour, ripe bananas, almond milk, and plant-based protein powder into a fluffy, gooey, chocolatey cake that’s cozy enough for dessert but totally acceptable for breakfast.

Watch Banana Bread Baked Oats In Action

I love banana bread muffins and classic banana loaves, but baked oat cakes are definitely my current hyperfixation. They’re fun to make and arguably way easier than whipping up a full batch of muffins or bread. Think of it as one big, fluffy, gooey muffin that tastes just like the soft center of banana bread—without the hour-long bake time. Just mix everything in one bowl, pour into a ramekin, and bake. Less time spent waiting, more time spent enjoying.

Quick baked oats recipe using ripe banana, rolled oats, almond butter, and chocolate chips—ready in under 20 minutes.

Why You’ll Love This

Nourishing - Packed with plant based protein, complex carbs/ fiber, and healthy fats. It will keep your blood sugar stable and give you long lasting energy.
Customizable - Load this up with whatever toppings you like, fresh berries, yogurt, peanut butter, and maple syrup are all amazing.
Easy - All you have to do is mix and bake! It comes together in less than 5 minutes with only a 20 minute bake time.
Naturally Sweet - This recipe is only sweetened with bananas (if you use sugar free chocolate chips).
Dietary Friendly - This is gluten free, high protein, lower in carb, refined sugar free, and dairy free.

High protein banana bread baked oats made with almond milk, oat flour, and plant-based protein powder, served warm.

What You’ll Need

Oat Flour - You can either buy oat flour or make your own by blending oats in a blender. Just make sure they are certified gluten free if that’s something you need.
Bananas - The riper the better as it’s the only sweetener in the recipe!
Protein Powder - I use Coreperform Maple Banana Protein (Code: SARI) because it really adds to the banana bread flavor. Plus, it’s a plant based protein with the same amino acid profile as whey.
Almond Milk - Helps to thin out the batter. You can use whatever plant based or dairy milk you prefer.
Baking Powder - Helps to make this Baked Oat Cake super fluffy and gives it leavening.
Chocolate Chips - I use Hu chocolate gems which makes this recipe refined sugar free, but whatever chocolate chips you have on hand will work perfectly.
Salt -Balances out all the flavors.

Single-serve banana chocolate chip baked oats in a ramekin, golden and gooey fresh from the oven.

How To Make

Preheat the oven to 350F. Grease a ramekin with coconut oil.
In a bowl, mash the banana, then add in the almond milk, protein powder, oat flour, baking powder, and salt. Mix well, then fold in the chocolate chips.
Pour the batter into the ramekin and top with extra banana slices and chocolate chips.
Bake for 20-25 minutes until puffed and golden. Enjoy!

Healthy banana bread baked oatmeal topped with melted chocolate chips on a white plate.

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This healthy single-serve Banana Bread Baked Oat Cake is packed with plant-based protein, fiber, and healthy fats. It’s gooey, chocolatey, naturally sweetened, and tastes just like the center of banana bread—perfect for a quick breakfast or dessert.

Frequently Asked Questions

Can I make this ahead of time?
Yes! You can bake it the night before and reheat in the morning, or enjoy it cold from the fridge.
Is it sweet enough without extra sugar?
Make sure your bananas are nice and spotty to add that sweetness! But feel free to add a little maple syrup or coconut sugar to the batter if it’s not sweet enough for you.
What kind of chocolate chips do you use?
I love using Hu Kitchen chocolate chips or mini chips for a refined sugar free and dairy-free option, but any brand works.

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