White Chocolate Banana Muffins with a Cream Cheese Swirl – Soft, Sweet, Bakery‑Style

White chocolate banana muffins with a cream cheese swirl are the kind of small‑batch treat that feels cozy and a little indulgent. They’re soft, moist, and packed with sweet banana flavor, while the creamy swirl adds a tangy richness that balances every bite. The white chocolate melts into pockets of sweetness, making these muffins perfect for breakfast, snacking, or a quick homemade dessert.

Print Recipe

Prep Time 30

Cook Time 18

Total Time 48

Servings: 6

Course: Breakfast

Cuisine: American

Ingredients Equipment Method Video

Ingredients

1 medium size about 100g ripe Banana
1 Egg
2 tablespoon Flavorless Oil
3 tablespoons Milk
1/3 cup Brown Sugar
1 cup All-purpose Flour
1/4 teaspoon Baking Soda
1/3 teaspoon table Salt
1 tablespoons Baking Powder
2 tablespoon unsweetened Cocoa Powder
1/2 teaspoon pure Vanilla Extract – optional
4 ounces Cream Cheese – room temperature
2 tablespoon granulated Sugar

Equipment

Oven
Mixer

Method

Preheat the oven to 400F.
Mix the wet and dry ingredients in separate bowl them combine them together and mix until the dry ingredients are incorporated. Add the chocolate chips and mix.
In a separate bowl, mix the softened cream cheese and sugar for 1-2 minutes or until thick and smooth.
Divide portion in 6 and pour in the muffin pan lined with muffin liner.
Top with cream cheese mixture. Use a pointed object to swirl the cream cheese top.
Bake at 400F for 5 minutes then at 350F for 15 – 18 minutes. Toothpick inserted in the center should come out clean of batter.
Let cool before serving! ENJOY!