Gluten-Free Double Chocolate Chip Cottage Cheese Banana Bread
This gluten-free double-chocolate cottage cheese banana bread is the perfect mix of rich flavor and healthy ingredients. Made with oat flour, naturally sweetened with honey, and packed with protein from blended cottage cheese, this moist bread is easy to make and ideal for breakfast, snacks, or dessert.

How Do I Get Rid of the Curdled Cottage Cheese Texture?
To enjoy the health benefits of cottage cheese without the curdled texture, we’re simply blending it smooth with the bananas until they’re silky and creamy. You can use an upright blender, food processor, or immersion blender to blend the cottage cheese. The whipped cottage cheese adds moisture and a richer flavor to the double-chocolate muffins.
Why You’ll Love My Gluten-Free Double Chocolate Chip Cottage Cheese Banana Bread Recipe
- High-protein and gluten-free: Packed with cottage cheese and oat flour, this banana bread is both satisfying and gluten-free.
- Rich double-chocolate flavor: Cocoa powder and mini chocolate chips give it a decadent taste without refined sugars.
- Moist and tender texture: The blended cottage cheese adds creaminess while keeping the texture smooth and soft.
- Perfect for any time of day: Enjoy it as a healthy breakfast, midday snack, or a sweet treat after dinner.

Ingredients & Substitutions
Here is everything you need to make the best-tasting gluten-free double chocolate chip cottage cheese banana bread recipe:
Bananas: You can substitute with 1 cup unsweetened applesauce. Applesauce will add moisture and natural sweetness, similar to bananas.
Honey: You can substitute with maple syrup or agave nectar.
Eggs (for a vegan version): You can substitute with flax eggs (1 tablespoon ground flaxseed mixed with 2.5 tablespoons water per egg). Note: Flax eggs work well as a binder and can replace eggs in vegan baking.*
Oil: Light olive oil is my favorite but you can use melted coconut oil, melted butter, or any neutral-flavored oil.
Cottage Cheese: You can substitute cottage cheese with greek yogurt, coconut yogurt, or sour cream.*
Almond Extract: You can omit it or replace coconut, or hazelnut extract.
Oat Flour: You can substitue with a Gluten-free all-purpose flour blend. Note: Make sure the blend contains xanthan gum or a similar binder if it’s not already included. The texture may vary slightly.*
Cocoa Powder: You can replace with cacao powder (for a less processed option) or carob powder.
Mini Chocolate Chips: You can use your favorite chocolate chips, chopped nuts (e.g., walnuts, pecans) or dried fruit (e.g., raisins, chopped dried cherries).
*I have not tested this substitution.

How to Make My Gluten-Free Chocolate Chip Oat Banana Bread Recipe
Step 1. Prep the Pan and Oats
Preheat your oven to 425°F. Line a 4×8″ baking pan with parchment paper. Then spray lightly with non-stick cooking spray. If grinding your own oat flour, measure 2-3/4 cups of oats and grind them in your blender. I love using my Nutribullet because it only takes about six seconds.


Step 2. Combine the Wet Ingredients
Add the bananas, honey, oil, cottage cheese, vanilla, apple cider vinegar, and almond extract to a medium-sized mixing bowl. Then blend them until smooth using an immersion blender. Or you can mix them all together in an upright blender. This will eliminate the cottage cheese curdled texture and banana chunks.
Add the eggs and egg white and whisk until blended.



Step 3. Add the Dry Ingredients
Add the oat flour, cocoa powder, baking powder, baking soda, baking powder, cinnamon, and salt to the mixing bowl. Gently whisk just until the ingredients are blended. You do not want to overmix.
Add almost all of the chocolate chips. Gently mix with a spatula until all the ingredients are evenly distributed.



Step 4. Pour and Bake
Pour the batter into your prepared pan. Sprinkle remaining chocolate chips on top.
Baking Option 1:
Bake for 45-55 minutes at 350°F or until a toothpick comes out clean.
Baking Option 2: For a higher dome top
Bake for 10 minutes at 425°F. Then leave the bread in the oven, turn down the heat to 350°F, and bake for an additional 38-42 minutes or until a toothpick comes out clean.



Gluten-Free Chocolate Chip Cottage Cheese Oat Banana Bread Recipe Notes
- Be sure to use ripe bananas with large brown spots to get the most natural sweetness.
- Add the eggs after you’ve blended the cottage cheese, bananas and other wet ingredients together so they aren’t overmixed.
- Be sure the bread is baked completely before removing from the oven. Insert a toothpick in the middle of the bread and make sure it comes out clean.
Delicious Serving Suggestions
- Serve warm with a drizzle of honey or maple syrup for an extra touch of sweetness.
- Pair with a dollop of Greek yogurt or nut butter for added protein at breakfast.
- Enjoy with a cup of coffee or tea for a cozy snack.
- Top with fresh berries or sliced bananas for a light and fruity dessert.
Do you love quick breads? Check out more of my easy and nutritious snack bread recipes:

Gluten-Free Double Chocolate Chip Cottage Cheese Banana Bread

Ingredients
- 2 medium/large bananas equal to 1 cup mashed
- 1/3 cup honey
- 2 eggs
- 1 egg white
- 1/3 cup oil extra light olive oil is my fave
- 1/2 cup cottage cheese
- 2 teaspoons vanilla
- 1 tablespoon apple cider vinegar
- 1/2 teaspoon almond extract
Dry Ingredients:
- 1-2/3 cups oat flour
- 1/3 cup cocoa powder
- 2 teaspoons cinnamon
- 1 teaspoon baking powder
- 1 teaspoon baking soda
- 1/2 teaspoon salt
- 1/2 cup mini chocolate chips
Instructions
- Preheat your oven to 425°F. Line a 4×8″ baking pan with parchment paper. Then spray lightly with non-stick cooking spray. If grinding your own oat flour, measure 2-3/4 cups of oats and grind them in your blender. I love using my Nutribullet because it only takes about six seconds.
- Add the bananas, honey, oil, cottage cheese, vanilla, apple cider vinegar, and almond extract to a medium-sized mixing bowl. Then blend them until smooth using an immersion blender. Or you can mix them all together in an upright blender. This will eliminate the cottage cheese curdled texture and banana chunks.
- Add the eggs and egg white and whisk until blended.
- Add the oat flour, cocoa powder, baking powder, baking soda, baking powder, cinnamon, and salt to the mixing bowl. Gently whisk just until the ingredients are blended. You do not want to overmix.
- Add almost all of the chocolate chips. Gently mix with a spatula until all the ingredients are evenly distributed.
- Pour the batter into your prepared pan. Sprinkle remaining chocolate chips on top. Bake for 10 minutes at 425°F. Then leave the bread in the oven, turn down the heat to 350°F, and bake for an additional 38-42 minutes or until a toothpick comes out clean.
Video

I made this bread today and it’s very tasty and also very easy to make. I just let it remain in the oven for a bit more time 10-15min. Thank you
Hi, Aden; thank you so much for the review. I’m so glad you like this recipe 🙂
My kids don’t normally like cottage cheese but they devoured this!!!
Hi Amanda! That’s definitely a win 🙂 Thank you for sharing this with me!
I was a little skeptical about the cottage cheese…but wow…these are so moist and tender. I love that they’re not too sweet. We will be making these again!
Hi Cassie, I’m so glad you gave this recipe a chance 🙂 Thank you for sharing this with me!