As I stood in my kitchen, the aroma of overripe bananas wafted through the air, instantly transporting me to the bustling markets of tropical southern regions. This is where I first discovered the magic of banana cake, an irresistible dessert that transforms those neglected bananas into a treat that’s both moist and fluffy. Today, I’m excited to share my recipe for The Ultimate Moist Banana Cake with Cream Cheese Frosting, perfect for any occasion—from heartfelt celebrations to cozy family dinners. Not only is it simple to whip up, but it also delivers a delightful blend of sweetness and tang from that creamy frosting. Plus, it’s an impeccable way to use those ripe bananas languishing on your countertop. Are you ready to impress your loved ones with this delicious masterpiece? Let’s dive in!
Why is This Banana Cake Irresistible?
Heavenly Moisture: This banana cake is incredibly moist, ensuring each bite melts in your mouth. Not many recipes achieve this level of fluffiness!
Flavor Explosion: With the addition of ripe bananas and rich cream cheese frosting, this cake bursts with a delightful contrast of sweet and tangy flavors that keep you coming back for more.
Simple Preparation: Even if you’re not a baking pro, this recipe is easy to follow, making it perfect for novice bakers and seasoned chefs alike.
Crowd-Pleasing Delight: Whether at a birthday party or casual gathering, this cake will have everyone raving—truly a showstopper that everyone will love!
Versatile Variations: Feeling adventurous? You can mix in nuts or chocolate chips, or even experiment with gluten-free options. The possibilities are endless!
Time-Saving Treat: In less than an hour, you can whip up this delicious dessert, allowing you to enjoy quality time with family instead of slaving away in the kitchen. Don’t forget to check out our other amazing banana recipes for more ideas!
Banana Cake Ingredients
For the Cake
- Mashed Ripe Bananas – Adds wonderful sweetness and moisture; ensure they are very ripe for the best flavor.
- Whole Milk – Contributes to a rich, tender crumb; using room temperature milk can help with mixing.
- Lemon Juice – Serves to create a buttermilk effect, enhancing the overall flavor profile of the banana cake.
- All-Purpose Flour – Provides the essential structure; measuring correctly is key to avoiding heaviness.
- Ground Cinnamon – Adds warmth and spice; while optional, it’s recommended for a flavor boost.
- Baking Soda – Acts as a leavening agent; ensure freshness for optimal rising.
- Kosher Salt – Balances the sweetness, enhancing the cake’s flavors.
- Unsalted Butter – Delivers richness and moisture; it’s best to have it softened for easy creaming.
- Granulated Sugar – Proprietor of sweetness and moisture retention; coconut sugar can be a lovely alternative.
- Light Brown Sugar – Introduces deeper flavor and moisture; consider dark brown sugar for an even richer taste.
- Large Eggs – Binds the ingredients, ensuring a well-structured cake; using room temperature eggs yields the best results.
- Vanilla Extract – Enhances the entire flavor profile, tying all the ingredients beautifully together.
For the Cream Cheese Frosting
- Cream Cheese – Provides the necessary tanginess and creaminess; opt for full-fat for best results.
- Unsalted Butter – Ensures a rich and creamy texture; softened butter will create a smooth frosting.
- Vanilla Extract – For a touch of flavor enhancement in the frosting.
- Confectioners’ Sugar – Sweetens the frosting; sifting helps achieve a smoother texture.
Step‑by‑Step Instructions for The Ultimate Moist Banana Cake with Cream Cheese Frosting
Step 1: Preheat the Oven
Begin by preheating your oven to 350°F (175°C). While the oven warms up, prepare a 13×9-inch cake pan by spraying it with baking spray to ensure easy removal later. This initial step sets the stage for your banana cake to come out perfectly moist and fluffy.
Step 2: Mix Banana Base
In a mixing bowl, whisk together the mashed ripe bananas, whole milk, and lemon juice. This mixture should appear smooth and slightly creamy; set it aside to allow the flavors to blend. The bananas should be very ripe for that irresistible sweetness that makes your banana cake truly special.
Step 3: Combine Dry Ingredients
In another bowl, combine the all-purpose flour, ground cinnamon, baking soda, and kosher salt. Whisk these ingredients together until evenly mixed; you want a consistent mixture that creates the cake’s structure. This dry blend will help ensure that your banana cake rises beautifully in the oven.
Step 4: Cream Butter and Sugars
Using a stand mixer, cream together the softened unsalted butter, granulated sugar, and light brown sugar. Beat this mixture on medium speed for about 3-4 minutes, until it becomes light and fluffy. This crucial step adds air to the batter, ensuring a tender texture for your banana cake.
Step 5: Incorporate Eggs and Vanilla
Add the large eggs one at a time, mixing well after each addition while scraping down the bowl as necessary. Pour in the vanilla extract and blend until fully incorporated. This process not only binds the ingredients but also enhances the flavor, making your banana cake delightful.
Step 6: Combine Wet and Dry Ingredients
Gradually add the dry ingredient mixture and the banana mixture to the creamed butter mixture, alternating between the two. Mix on low speed until just combined, being careful not to overmix. This is key for achieving the moist, fluffy texture of your banana cake, so stop as soon as no dry flour remains!
Step 7: Bake the Cake
Pour the batter into the prepared cake pan and smooth the top with a spatula. Bake in the preheated oven for 55-60 minutes, or until a toothpick inserted in the center comes out clean. You’ll know your banana cake is done when it’s golden brown on top and springs back gently when touched.
Step 8: Cool the Cake
Once baked, remove the cake from the oven and allow it to cool in the pan for about 10 minutes. Then transfer it to a wire rack to cool completely. This step is important as it helps achieve the perfect texture and ensures the cream cheese frosting doesn’t melt off!
Step 9: Prepare Cream Cheese Frosting
In a stand mixer, beat the cream cheese and softened butter until smooth and creamy. Gradually add the sifted confectioners’ sugar, mixing until fluffy and well combined, about 2-3 minutes. This luscious frosting is what makes your banana cake irresistible, so give it a good whip to achieve that perfect texture.
Step 10: Frost the Cake
Once the cake has completely cooled, spread the cream cheese frosting evenly over the top using a spatula. Add a decorative swirl if desired and feel free to sprinkle chopped nuts or chocolate chips on top for added texture. This final touch makes your Ultimate Moist Banana Cake with Cream Cheese Frosting a showstopper!
What to Serve with The Ultimate Moist Banana Cake?
Picture a gathering where everyone’s taste buds dance with delight as they enjoy a sweet slice of cake, complemented by the perfect side dishes.
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Creamy Mashed Potatoes: The rich and buttery flavor of creamy mashed potatoes contrasts beautifully with the sweetness of the cake, creating a delightful balance.
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Fresh Fruit Salad: A refreshing mix of seasonal fruits adds a burst of color and brightness, making each bite of cake even more enjoyable.
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Homemade Whipped Cream: Light and fluffy, this offers a luscious touch that elevates the cake’s cream cheese frosting for extra decadence.
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Spiced Chai Latte: The warmth of spiced chai perfectly enhances the cake’s flavors, evoking cozy moments and comforting conversations.
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Chocolate Ice Cream: A scoop of rich chocolate ice cream provides a deliciously cool contrast to the moist banana cake, satisfying any sweet craving.
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Nutty Banana Bread Pudding: Embrace the banana theme with this warm dessert that echoes the flavors while adding delightful texture and richness.
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Decadent Caramel Sauce: Drizzle this sweet sauce over a slice of banana cake for an indulgent finish that brings an exciting flair to your dessert experience.
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Iced Tea or Lemonade: A chilled drink, like iced tea or lemonade, acts as a refreshing counterpart to the cake’s sweetness, making it a perfect pairing.
Banana Cake Variations & Substitutions
Feel free to explore these creative twists to make your banana cake even more delightful!
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Nutty Delight: Add 1 cup of finely chopped walnuts or pecans for a crunchy texture and a lovely flavor contrast. The earthy notes of nuts pair wonderfully with bananas, elevating your cake to new heights.
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Chocolate Chip Heaven: Mix in 1 cup of semi-sweet chocolate chips for a sweet surprise. These melted morsels create pockets of gooey chocolate in every bite, making your cake feel extra indulgent.
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Gluten-Free Option: Substitute regular all-purpose flour with a gluten-free blend to enjoy this recipe without gluten. You may need to adjust the moisture slightly by adding a touch more milk.
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Spiced Up: Add a teaspoon of ground nutmeg or allspice to the dry ingredients for an added flavor twist. This warming spice complements the bananas beautifully and gives the cake a cozy feel.
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Zesty Lemon: Enhance the lemon juice in the cake batter by adding zest from one lemon. This bright citrus addition gives your banana cake a refreshing zing that balances its sweetness perfectly.
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Creamy Coconut: Replace half of the butter with coconut oil and add shredded coconut. This will infuse your cake with a lovely tropical flavor, reminding you of sunny shores with every bite.
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Vegan-Friendly: For a vegan version, substitute eggs with a flaxseed mixture (1 tablespoon flaxseed meal + 3 tablespoons water per egg) and use a plant-based butter for the frosting. Enjoy a delicately fluffy cake that’s completely plant-based!
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Heat Things Up: If you’re feeling adventurous, add a pinch of cayenne or a few drops of hot sauce to the batter for a surprising kick. It complements the sweetness of the bananas and adds an exciting heat level to your cake!
For more delicious banana-themed inspiration, don’t forget to check out our enticing banana bread recipes and other banana-infused delights!
Expert Tips for the Best Banana Cake
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Ripe Bananas Matter: Ensure your bananas are very ripe with brown spots. This not only enhances sweetness but contributes to the moist texture of your banana cake.
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Measure Carefully: Utilize a kitchen scale or the spoon-and-level method for the flour to avoid excess, which can lead to a dense cake.
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No Overmixing: Avoid overmixing the batter once you add the flour; this ensures a light, fluffy cake rather than a tough one.
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Check Doneness: Insert a toothpick into the center; it should come out clean. If the cake is browning too quickly, cover it loosely with foil.
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Cool Completely: Allow the cake to cool fully before frosting with cream cheese; this prevents the frosting from melting and sliding off your delicious banana cake.
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Storing Leftovers: Store any uneaten banana cake covered at room temperature for up to three days, or refrigerate to keep it fresh even longer.
Make Ahead Options
These banana cake preparations are perfect for busy home cooks looking to save time during the week! You can make the cake itself up to 3 days in advance; just cool it completely, then wrap it tightly in plastic wrap and refrigerate to maintain moisture. The cream cheese frosting can also be prepared up to 24 hours ahead; store it in an airtight container in the fridge. When you’re ready to serve, just bring the cake to room temperature, frost it with the chilled cream cheese frosting, and enjoy your delightful dessert, which will be just as delicious as if made fresh that same day!
How to Store and Freeze Banana Cake
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Room Temperature: Store leftover banana cake covered at room temperature for up to 3 days. This keeps it moist and flavorful, perfect for enjoying a slice whenever the craving strikes!
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Fridge: If you want to extend its freshness, refrigerate the banana cake for up to a week. Make sure it’s tightly wrapped to avoid drying out.
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Freezer: For longer storage, freeze the banana cake for up to 3 months. Slice it before freezing for individual portions; just wrap in plastic wrap and place it in an airtight container.
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Reheating: To enjoy a slice of frozen banana cake, simply let it thaw in the fridge overnight. For a warm treat, pop it in the microwave for about 15-20 seconds, and it’s ready to go!
The Ultimate Moist Banana Cake Recipe FAQs
How do I select the best bananas for this banana cake?
Absolutely! For the best banana cake, choose bananas that are very ripe, with brown spots all over the peel. The riper the bananas, the sweeter and more flavorful your cake will be. If you have overripe bananas that are getting too soft, don’t hesitate to use them—this is the perfect recipe to rescue them!
How long can I store leftover banana cake?
Very! You can store your leftover banana cake covered at room temperature for up to 3 days. If you want to keep it fresh for a longer period, refrigerate it, and it will last up to a week. Just make sure it’s tightly wrapped to avoid drying out.
Can I freeze banana cake? How?
Yes, indeed! You can freeze banana cake for up to 3 months. Here’s how: First, let the cake cool completely. Then, slice it into individual portions for convenience. Wrap each piece in plastic wrap and place it in an airtight container or a freezer bag. Label the container with the date for easy reference. When you’re ready to enjoy it, simply thaw it in the fridge overnight, or microwave a slice for 15-20 seconds for a warm treat!
What if my cake is too dense? How can I avoid this?
If your banana cake turns out too dense, it could be due to overmixing the batter. To avoid this, mix until the ingredients are just combined when adding the dry and wet mixtures. Additionally, make sure you measure your flour accurately—using a scale or spoon-and-level technique can help prevent excess flour that leads to a heavy texture.
Is this banana cake suitable for people with dietary restrictions?
Absolutely! This banana cake can be made gluten-free by substituting all-purpose flour with a gluten-free flour blend. Additionally, you can use coconut sugar instead of granulated sugar for a refined sugar-free version. However, ensure no one has allergies to these substitutes. Always double-check ingredients if making for someone with dietary restrictions.
Can I use frozen bananas in the recipe?
Yes! Using frozen bananas works wonderfully in this recipe. Just thaw them fully before mashing and ensure they’re well-drained of any excess liquid. Using frozen bananas can even enhance the moisture of your cake. Just be sure to check their ripeness before freezing, as you ideally want them to be very ripe before they go into the freezer.

Irresistibly Moist Banana Cake with Cream Cheese Frosting
Ingredients
Equipment
Method
- Preheat your oven to 350°F (175°C) and prepare a 13x9-inch cake pan by spraying it with baking spray.
- In a mixing bowl, whisk together the mashed ripe bananas, whole milk, and lemon juice until smooth and creamy.
- In another bowl, combine the all-purpose flour, ground cinnamon, baking soda, and kosher salt, whisk until evenly mixed.
- Cream together the softened unsalted butter, granulated sugar, and light brown sugar on medium speed until light and fluffy.
- Add the large eggs one at a time, mixing well after each addition, then add the vanilla extract until fully incorporated.
- Gradually add the dry ingredient mixture and the banana mixture to the creamed butter mixture, alternating between the two.
- Pour the batter into the prepared cake pan and smooth the top, then bake for 55-60 minutes until a toothpick comes out clean.
- Once baked, allow the cake to cool in the pan for about 10 minutes before transferring it to a wire rack to cool completely.
- In a stand mixer, beat the cream cheese and softened butter until smooth, then gradually add the sifted confectioners’ sugar until fluffy.
- Once the cake is cooled, spread the cream cheese frosting evenly over the top using a spatula.