If you love a breakfast that feels indulgent yet wholesome, then you are going to absolutely adore this Caramelized Banana Split Overnight Oats Recipe. It’s like having your favorite banana split dessert for breakfast, but packed with nourishing oats and fresh fruit to fuel your day. Creamy, sweet, and layered with textures—from caramelized bananas to crunchy nuts and melty chocolate chips—this recipe brings morning magic to a whole new level. Plus, it’s so easy to make ahead, which means you wake up to a bowl of pure joy ready to eat.

Ingredients You’ll Need
Getting this dish just right is all about simple, quality ingredients that each bring their own unique flavor and texture to the table. From the creamy oats base to the fresh and caramelized fruits, every bite bursts with delightful contrasts.
- Old-fashioned rolled oats: The hearty foundation that softens perfectly overnight while still giving you that wonderful oats texture.
- Milk (dairy or non-dairy): Adds creaminess and helps hydrate the oats to that ideal overnight consistency.
- Plain or vanilla Greek yogurt: Boosts protein and introduces a tangy creaminess that deepens the flavor.
- Chia seeds: These tiny powerhouses thicken the oats and add a fun twist on texture as well as fiber.
- Vanilla extract: Brings a sweet, aromatic warmth that pairs perfectly with the fruit.
- Maple syrup or honey: Natural sweeteners that balance the oats without overpowering the fresh fruit.
- Banana: Sliced and caramelized for that luscious, golden-brown topping that’s pure breakfast bliss.
- Butter or coconut oil: Essential for caramelizing the banana to deepen its sweetness with a slight crisp edge.
- Brown sugar: Sprinkled on bananas to create that irresistible caramelized crust.
- Chopped strawberries: Refreshing bursts of berry flavor and vibrant color.
- Crushed pineapple (drained): Adds a tropical tang and juicy texture that complements the banana perfectly.
- Mini chocolate chips: Melty pockets of chocolate that make every spoonful feel like a treat.
- Chopped walnuts or pecans: A nutty crunch that adds balance and satisfying bite.
How to Make Caramelized Banana Split Overnight Oats Recipe
Step 1: Combine Your Base Ingredients
Start by mixing the oats, milk, Greek yogurt, chia seeds, vanilla extract, and maple syrup or honey in a mason jar or any airtight container you have handy. Stir everything thoroughly so all those oats soak evenly and the chia seeds start to do their magic thickening. Once well combined, seal the container and pop it into the fridge overnight, or for at least 4 hours. This gives your oats the perfect creamy consistency that’s easy to enjoy.
Step 2: Caramelize the Banana
While some prefer to caramelize the banana fresh in the morning, you can prep this step ahead too. Warm your choice of butter or coconut oil in a skillet over medium heat. Lay in the banana slices and sprinkle them generously with brown sugar. Watch as the bananas sizzle and slowly turn invitingly golden, about 1 to 2 minutes per side. This caramelization process creates a rich, sweet crust that turns ordinary bananas into something truly special. Let them cool before adding to your oats.
Step 3: Assemble Your Toppings
When it’s time to eat, open your container of chilled overnight oats and top them with those gorgeous caramelized bananas. Layer on the chopped strawberries, crushed pineapple, mini chocolate chips, and chopped nuts to build a vibrant, tempting breakfast bowl. Each bite is a playful combination of creamy, crunchy, sweet, and fresh flavors that takes the classic overnight oats to an entirely new level.
How to Serve Caramelized Banana Split Overnight Oats Recipe

Garnishes
Feel free to get creative with your garnishes! Adding a sprinkle of toasted coconut flakes or a drizzle of extra maple syrup gives a lovely finishing touch. You can even add a dollop of whipped cream or coconut cream for that authentic banana split feel.
Side Dishes
This recipe shines on its own but pairs beautifully with a simple green smoothie or a glass of freshly squeezed orange juice. For a heartier brunch, serve alongside crispy bacon or a warm croissant to balance the cool, sweet oats.
Creative Ways to Present
Serve it in stylish glass jars for a grab-and-go breakfast, or layer the oats and toppings in a clear bowl to show off those beautiful colors. For a fun twist, try making parfait-style layers, alternating the oat base with bits of your favorite fruits and nuts.
Make Ahead and Storage
Storing Leftovers
If you happen to have leftovers, keep them refrigerated in an airtight container. They stay fresh and creamy for up to 2 days, so you can enjoy this delightful breakfast more than once without losing any flavor or texture.
Freezing
While overnight oats are best enjoyed fresh or chilled, you can freeze portions if needed. When thawed overnight in the fridge, the texture may be a little softer, but still delicious. Just remember to add toppings like nuts and caramelized bananas fresh after thawing to keep their crunch and flavor.
Reheating
If you prefer your oats warm, simply microwave for 30 to 60 seconds, stirring halfway. Toppings like caramelized banana and chocolate chips melt beautifully upon reheating, creating a cozy and comforting breakfast experience.
FAQs
Can I use instant oats instead of old-fashioned rolled oats?
Instant oats tend to become mushy in overnight recipes, so old-fashioned rolled oats are preferred for the best texture in this Caramelized Banana Split Overnight Oats Recipe.
How can I make this recipe vegan?
Simply swap the Greek yogurt and milk for dairy-free alternatives like coconut or almond yogurt and plant-based milk. Use coconut oil instead of butter for caramelizing the bananas to keep it completely vegan.
Is it possible to prepare the caramelized bananas the night before?
Absolutely! You can caramelize the bananas in advance and store them separately in the fridge. Just add them to your oats when you’re ready to serve for a quick and satisfying breakfast.
What’s the best way to sweeten this recipe if I don’t want to use maple syrup or honey?
Feel free to use agave nectar, date syrup, or even a mashed ripe banana for a natural sweetener alternative that complements the recipe’s fruity flavors well.
Can I add protein powder to this recipe?
Yes, incorporating a scoop of your favorite protein powder into the oat mixture before refrigerating can boost the protein content, making this a more filling and muscle-friendly meal.
Final Thoughts
This Caramelized Banana Split Overnight Oats Recipe is one of those delightful dishes that make mornings something to look forward to. Packed with layers of flavor and textures—from creamy oats and tangy yogurt to caramelized fruit and crunchy nuts—it’s a nourishing breakfast that doubles as a treat. Give it a try, and I promise it will become one of your new favorite ways to start the day!
Print
Caramelized Banana Split Overnight Oats Recipe
- Prep Time: 10 minutes
- Cook Time: 5 minutes
- Total Time: 15 minutes (plus overnight chilling)
- Yield: 2 servings
- Category: Breakfast
- Method: Stovetop
- Cuisine: American
- Diet: Vegetarian
Description
A delicious and nutritious take on classic banana split flavors in a convenient overnight oats format. This recipe combines creamy oats soaked overnight with yogurt, chia seeds, and vanilla, topped with caramelized bananas, fresh strawberries, pineapple, chocolate chips, and crunchy nuts for a delightful breakfast treat.
Ingredients
Overnight Oats Base
- 1 cup old-fashioned rolled oats
- 1 cup milk (dairy or non-dairy)
- 1/2 cup plain or vanilla Greek yogurt
- 1 tablespoon chia seeds
- 1 teaspoon vanilla extract
- 1 tablespoon maple syrup or honey
Toppings
- 1 banana, sliced
- 1 teaspoon butter or coconut oil
- 1 teaspoon brown sugar
- 1/4 cup chopped strawberries
- 2 tablespoons crushed pineapple (drained)
- 1 tablespoon mini chocolate chips
- 1 tablespoon chopped walnuts or pecans
Instructions
- Prepare the Overnight Oats Base: In a mason jar or airtight container, combine rolled oats, milk, Greek yogurt, chia seeds, vanilla extract, and maple syrup or honey. Stir thoroughly to mix all ingredients evenly. Cover the container and refrigerate overnight or for at least 4 hours to allow the oats and chia seeds to absorb the liquid and soften.
- Caramelize the Banana: Heat butter or coconut oil in a skillet over medium heat. Arrange banana slices evenly in the skillet and sprinkle brown sugar on top. Cook each side for 1 to 2 minutes or until the bananas turn golden and caramelized. Remove from heat and allow them to cool slightly.
- Assemble the Banana Split Overnight Oats: When ready to serve, retrieve the oats from the refrigerator. Top the soaked oats with the caramelized banana slices, chopped strawberries, crushed pineapple, mini chocolate chips, and chopped walnuts or pecans. Enjoy immediately, either cold or at room temperature.
Notes
- You can caramelize the bananas fresh in the morning or prep them ahead of time and store separately to save time.
- Use dairy-free yogurt and milk to make this recipe vegan-friendly.
- For a nut-free version, omit the walnuts or pecans and substitute with seeds like pumpkin or sunflower.
- Adjust sweetness by varying the amount of maple syrup or honey according to taste.