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 to make a moist & delicious gluten-free double chocolate chip cottage cheese banana bread w/ oat flour naturally sweetened w/ honey

There’s something so comforting about the smell of freshly baked banana bread, and this gluten-free double-chocolate cottage cheese banana bread has quickly become a favorite in my kitchen. If you’re like me and love finding ways to make classic treats healthier without sacrificing taste, you’re going to love this recipe! Not only is it rich and chocolatey, but it’s also packed with protein thanks to the cottage cheese, which blends so smoothly with the bananas you won’t even know it’s there. This banana bread is soft, moist, and naturally sweetened with honey, making it the perfect guilt-free indulgence.

What sets this recipe apart is its simplicity—you’ll need just a few basic ingredients like oat flour, cocoa powder, and mini chocolate chips, and I’ll guide you step by step. Whether you’re new to baking with cottage cheese or just looking for a wholesome twist on a classic, this bread will leave you feeling proud and excited to share it with your family and friends.

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.

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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.
A loaf of gluten-free double chocolate chip cottage cheese banana bread next to a bowl of cottage cheese and mini chocolate chips.

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.

The top view of a loaf of gluten-free double chocolate chip cottage cheese banana bread on parchment paper.

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.

Adding wet ingredients to muffin batter.
Adding freshly blended oat flour to a glass measuring bowl.

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.

Adding wet ingredients to muffin batter.
Blended wet ingredients for the muffins in a glass mixing bowl.
Mixing the wet ingredients for the banana bread batter with the whisk attachment on an immersion blender.

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.

Adding wet ingredients to muffin batter.
Mixing the wet and dry ingredients together in a mixing bowl with a whisk.
Pouring the mini chocolate chips into the Banana bread batter.

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. 

Pouring the banana bread batter into a loaf pan lined with parchment paper.
Sprinkling mini chocolate chips over the bread batter in the bread pan.
The top view of a loaf of gluten-free double chocolate chip cottage cheese banana bread on parchment paper.

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.

  • To maintain freshness, store the gluten-free double chocolate chip cottage cheese banana bread in an airtight container at room temperature for up to 2 days.
  • For longer storage, place the bread in the refrigerator for up to a week. It might become slightly denser when refrigerated, but it will still be delicious.
  • If you want to freeze the bread, wrap it tightly in plastic wrap and place it in a freezer-safe bag. It can be frozen for up to 3 months. Thaw slices at room temperature or gently reheat in the microwave.

  • Can I use regular all-purpose flour instead of oat flour in this easy muffin recipe? 
    Oat flour provides the gluten-free base for this recipe. Using all-purpose flour would change the texture and require adjustments to the recipe.
  • Can I omit the chocolate chips in this chocolate banana bread recipe? 
    Of course! You can omit the chocolate chips if you prefer a plain banana bread or replace them with chopped nuts or dried fruit.
  • Why is apple cider vinegar included in this double-chocolate cottage cheese banana bread? 
    The apple cider vinegar reacts with the baking soda, creating bubbles that help the bread rise and become fluffy. It also adds a richer chocolate flavor.
  • Can I use frozen bananas to make healthy cottage cheese banana bread? 
    Yes, thawed frozen bananas work well. Just make sure to drain any excess liquid before mashing.
  • Can I make double-chocolate cottage cheese banana muffins instead of a loaf? 
    Yes, you can pour the batter into muffin tins and adjust the baking time accordingly. Start checking for doneness around 20-25 minutes.
How to make a moist & delicious gluten-free double chocolate chip cottage cheese banana bread w/ oat flour naturally sweetened w/ honey

Gluten-Free Double Chocolate Chip Cottage Cheese Banana Bread

Gluten-Free diet-friendly recipe
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.
5 from 7 votes
Servings 12
Prep Time 20 minutes
Cook Time 50 minutes
Total Time 1 hour 10 minutes

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:

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

YouTube video

Nutrition

Calories: 251kcalCarbohydrates: 31gProtein: 6gFat: 13gSaturated Fat: 3gPolyunsaturated Fat: 2gMonounsaturated Fat: 5gTrans Fat: 0.03gCholesterol: 29mgSodium: 270mgPotassium: 240mgFiber: 3gSugar: 15gVitamin A: 65IUVitamin C: 2mgCalcium: 48mgIron: 1mg
Keyword banana bread, chocolate chip, cottage cheese, gluten free, naturally sweetened
Did you make this recipe and love it?Please let me know in the comments below how it turned out 🙂

6 Comments

  1. 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

  2. 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!

5 from 7 votes (5 ratings without comment)

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