If breakfast is the highlight of your day, prepare to fall head over heels for Caramelized Banana Split Overnight Oats. This playful spin on a sundae brings together creamy oats, luscious caramelized bananas, and all your favorite fruity, chocolatey toppings in a chilled, dreamy bowl. You’ll get the nostalgia of a banana split first thing in the morning while still fueling your body with wholesome ingredients. It’s a crave-worthy way to start any day, blending sweetness, texture, and color into one delicious make-ahead breakfast you’ll look forward to time and again.

Ingredients You’ll Need
The beauty of Caramelized Banana Split Overnight Oats is just how easy it is to gather these ingredients. Each one is thoughtfully chosen to create layers of flavor, texture, and fun, ensuring your breakfast looks and tastes as vibrant as it feels.
- Rolled oats: The hearty backbone of these oats, delivering creaminess once soaked and satisfying texture in every bite.
- Milk (dairy or plant-based): Adds just the right amount of richness and helps soften the oats overnight.
- Greek yogurt: Brings bonus protein and a delightful tang that balances sweet toppings perfectly.
- Chia seeds: Give your oats a delightful thickness and a gentle boost of omega-3s.
- Maple syrup or honey: A spoonful of natural sweetness that makes every spoonful feel special.
- Vanilla extract: Rounds out the flavor, giving the oats that classic ice-cream-parlor aroma.
- Banana (sliced): For caramelizing, turning sweet and golden to truly mimic banana split magic.
- Chopped strawberries: Their fresh, tart juiciness brightens every bite.
- Crushed pineapple (drained): A tropical burst that’s nostalgic and completely irresistible.
- Dark chocolate chips or shavings: Because every banana split needs a chocolatey moment.
- Chopped nuts (such as almonds or walnuts): For crunch and a subtle nutty depth that ties everything together.
- Coconut oil: Essential for caramelizing the bananas and adding a gentle buttery note.
- Pinch of cinnamon: Highlights the sweetness of the bananas and amps up the cozy factor.
How to Make Caramelized Banana Split Overnight Oats
Step 1: Mix Up Your Overnight Oats Base
In a large jar or bowl, combine the rolled oats, milk, Greek yogurt, chia seeds, maple syrup (or honey), and vanilla extract. Stir everything together until the oats are evenly coated and the chia seeds are dispersed. This step sets the stage for all that creamy, pudding-like texture you’ll spoon up tomorrow.
Step 2: Let It Chill
Cover your oat mixture and stash it in the refrigerator overnight, or for at least four hours. This chill time allows the oats and chia seeds to soak up the flavors while transforming into a thick, creamy base that’s ready for toppings.
Step 3: Caramelize the Bananas
When you’re ready to serve, heat the coconut oil in a small skillet over medium heat. Add the banana slices, sprinkle with a pinch of cinnamon, and cook for two to three minutes per side until they’re golden, caramelized, and tender. The transformation is instant: your kitchen will smell heavenly, and the bananas take on a deep, sticky sweetness—just like classic banana split topping.
Step 4: Assemble with All the Classic Toppings
Give your chilled oats a quick stir, then divide them between bowls (or keep it all to yourself; we don’t judge). Top with the warm caramelized banana slices, followed by a generous handful of chopped strawberries, crushed pineapple, dark chocolate chips or shavings, and crunchy nuts. Each spoonful is a little celebration!
How to Serve Caramelized Banana Split Overnight Oats

Garnishes
These oats beg for playful, eye-catching garnishes—think a drizzle of extra maple syrup, a few extra chocolate shavings, or even a fresh mint sprig for brightness. A sprinkle of coconut flakes can add a fun tropical twist, too. Let your creativity shine with whatever looks good and tastes even better!
Side Dishes
Caramelized Banana Split Overnight Oats are quite a showstopper on their own, but pairing them with a side of hot coffee or a glass of fresh orange juice makes for a breakfast that tastes like a mini celebration. If you want to keep things hearty, serve alongside a slice of whole grain toast or a boiled egg for a protein boost.
Creative Ways to Present
For an instagram-worthy touch, layer the overnight oats, caramelized banana, and toppings in a clear glass or jar for that classic parfait look. Hosting brunch? Serve the oats in little ramekins or even ice cream bowls with long-handled spoons for a delightful nod to the original banana split sundae.
Make Ahead and Storage
Storing Leftovers
If you’ve made a big batch of Caramelized Banana Split Overnight Oats, you’re in luck. Store leftovers in a sealed container in the fridge for up to three days. Just keep those caramelized bananas and crunchy toppings separate to preserve their best texture.
Freezing
While oats and dairy freeze fairly well, the fresh fruit toppings are best enjoyed fresh. If needed, freeze just the oat base in single-serving freezer-safe containers; thaw overnight in the fridge and top with caramelized fruit and crunch just before eating.
Reheating
Overnight oats are meant to be enjoyed chilled, but if you want yours slightly warm, give the oat base a quick zap in the microwave for 15-30 seconds before adding your toppings. The warmth pairs especially well with freshly caramelized bananas right from the skillet!
FAQs
Can I make Caramelized Banana Split Overnight Oats dairy-free?
Absolutely! Swap out the milk and Greek yogurt for your favorite plant-based versions. Coconut, almond, or oat-based options all work beautifully and pair perfectly with the tropical flavors in the dish.
What type Breakfast
Rolled oats are ideal for that classic creamy-yet-chewy texture, but you can use quick oats for a softer result. Steel-cut oats need a much longer soak and may not get as pudding-like for this recipe.
How can I prep the caramelized bananas ahead of time?
You can caramelize the bananas in advance and store them separately in the fridge for up to two days. Warm them for a few seconds in the microwave or in a skillet before topping your oats for the best gooey texture.
Is it possible to add extra protein?
Yes—all you need to do is stir in a scoop of your favorite protein powder, add extra Greek yogurt, or include a sprinkle of hemp seeds along with the chia. The Caramelized Banana Split Overnight Oats are endlessly customizable!
Can I swap out the fruit?
Definitely. While the strawberries, pineapple, and banana nod to the classic banana split, you can switch them up with cherries, blueberries, or mango if you like. Make it seasonal or use up whatever fruit you have on hand!
Final Thoughts
Every bite of Caramelized Banana Split Overnight Oats is a joyful, creamy reminder that breakfast can be both fun and nourishing. Whether you’re meal-prepping for the week or indulging in a weekend treat, this recipe brings sunshine to your morning routine. Give it a try—you might just find your new favorite way to enjoy oats!
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Caramelized Banana Split Overnight Oats Recipe
- Total Time: 15 minutes plus chilling
- Yield: 2 servings 1x
- Diet: Vegetarian
Description
Indulge in a delightful breakfast twist with these Caramelized Banana Split Overnight Oats. Creamy oats infused with chia seeds, topped with caramelized bananas, fresh fruits, and a sprinkle of chocolate – a heavenly start to your day!
Ingredients
Oats Mixture:
- 1 cup rolled oats
- 1 cup milk (dairy or plant-based)
- 1/2 cup Greek yogurt
- 1 tablespoon chia seeds
- 1 tablespoon maple syrup or honey
- 1/2 teaspoon vanilla extract
Toppings:
- 1 banana (sliced)
- 1/4 cup chopped strawberries
- 2 tablespoons crushed pineapple (drained)
- 1 tablespoon dark chocolate chips or shavings
- 1 tablespoon chopped nuts (such as almonds or walnuts)
- 1 teaspoon coconut oil
- pinch of cinnamon
Instructions
- Oats Preparation: In a jar or bowl, stir together the oats, milk, Greek yogurt, chia seeds, maple syrup, and vanilla extract. Cover and refrigerate overnight or for at least 4 hours.
- Caramelized Bananas: When ready to serve, heat coconut oil in a small skillet over medium heat. Add banana slices and a pinch of cinnamon. Cook 2–3 minutes per side until caramelized and golden.
- Serving: Top the chilled oats with caramelized banana, strawberries, pineapple, chocolate chips, and chopped nuts. Serve immediately.
Notes
- For a dairy-free version, use plant-based yogurt and milk.
- You can prepare the caramelized bananas ahead of time and store them separately in the fridge.
- Prep Time: 10 minutes
- Cook Time: 5 minutes
- Category: Breakfast
- Method: No-Bake
- Cuisine: American
Nutrition
- Serving Size: 1 bowl
- Calories: 340
- Sugar: 18 g
- Sodium: 70 mg
- Fat: 12 g
- Saturated Fat: 5 g
- Unsaturated Fat: 6 g
- Trans Fat: 0 g
- Carbohydrates: 47 g
- Fiber: 6 g
- Protein: 10 g
- Cholesterol: 5 mg