As the scent of warm, freshly baked Banana Cake wafted through my kitchen, I couldn’t help but feel transported back to my childhood—those carefree days when the sweetest memories were made over homemade desserts. This Moist Banana Cake with Cream Cheese Frosting is not just a delightful treat; it’s a testament to the beauty of simple ingredients harmonizing in one decadent slice. With its fluffy texture and the tangy richness of cream cheese frosting, this cake is a standout for celebrations or just a cozy evening at home. Plus, it’s easily adaptable for gluten-free and dairy-free diets, ensuring everyone can indulge. So, are you ready to whip up a cake that brings joy to your table and your taste buds? Let’s get started!

Why is This Banana Cake Irresistible?
Deliciously Moist: The use of ripe bananas ensures a moist texture that every cake lover craves.
Creamy Frosting: The cream cheese frosting adds a delightful tang, perfectly balancing the cake’s sweetness.
Customizable Delights: Adapt this recipe effortlessly for gluten-free or dairy-free options, so everyone can enjoy a slice.
Culinary Nostalgia: Each bite is reminiscent of comforting childhood memories, making it a heartwarming dessert for any occasion.
Quick and Simple: With straightforward steps, even novice bakers will feel accomplished and proud.
This Banana Cake with Cream Cheese Frosting is sure to be a showstopper at your next gathering or a lovely treat for a cozy night in!
Banana Cake with Cream Cheese Frosting Ingredients
For the Cake
- All-purpose flour – Provides structure; substitute with gluten-free flour for a gluten-free cake.
- Baking powder – Acts as a leavening agent for a light texture; ensure it’s fresh for optimal rise.
- Salt – Enhances sweetness and balances flavors; a standard ingredient in baking.
- Unsalted butter (1/2 cup) – Contributes moisture and richness; use dairy-free butter for a vegan option.
- Granulated sugar (1 cup) – Sweetens the cake beautifully; can replace with coconut sugar for a less processed option.
- Eggs (2 large) – Binds the ingredients and adds moisture; for a vegan alternative, use flax eggs (1 tbsp flaxseed meal + 2.5 tbsp water per egg).
- Vanilla extract (1 tsp) – Adds depth of flavor; for best results, use pure vanilla.
- Milk (1/2 cup) – Helps achieve the right batter consistency; opt for a plant-based milk for dairy-free needs.
- Ripe bananas (2, mashed) – The star of the show, adds natural sweetness and moisture; the riper, the better—aim for blackened bananas.
For the Frosting
- Cream cheese (8 oz, softened) – The base for the frosting, delivering creaminess; substitute with vegan cream cheese for a dairy-free option.
- Unsalted butter (1/4 cup, softened) – Enhances creaminess in the frosting; use dairy-free butter for a vegan version.
- Powdered sugar (2 cups) – Sweetens and thickens the frosting; adjust to your preferred sweetness level.
- Vanilla extract (1 tsp, for frosting) – Adds an extra layer of flavor; pure vanilla is recommended for the best outcome.
For Garnish
- Sliced bananas – Adds visual appeal and additional flavor; fresh is best for topping.
With these ingredients in hand, you’re just a few steps away from creating a delightful Banana Cake with Cream Cheese Frosting that’s bound to impress!
Step‑by‑Step Instructions for Banana Cake with Cream Cheese Frosting
Step 1: Preheat and Prepare
Begin by preheating your oven to 350°F (175°C). While the oven heats, prepare three 6-inch round cake pans by greasing them with butter or oil and lightly dusting with flour. This ensures your Banana Cake with Cream Cheese Frosting will release easily after baking. Set the prepared pans aside and get ready to start mixing.
Step 2: Mix Dry Ingredients
In a medium bowl, whisk together 2 cups of all-purpose flour, 1 tablespoon of baking powder, and 1/2 teaspoon of salt. This combination provides the structure needed for your cake, so be sure to mix thoroughly until evenly combined. Set your dry ingredients aside, as they will be blended with the wet ingredients shortly.
Step 3: Cream Butter and Sugar
In a large mixing bowl, use an electric mixer to beat 1/2 cup of softened unsalted butter with 1 cup of granulated sugar. Beat them together on medium speed until the mixture turns light and fluffy, about 3-5 minutes. This process is key for achieving that moist and airy texture in your Banana Cake.
Step 4: Incorporate Eggs and Vanilla
With the mixer still on medium speed, add 2 large eggs one at a time, mixing well after each addition. Follow with 1 teaspoon of vanilla extract, blending until fully incorporated. The batter should be smooth and creamy at this stage, setting the foundation for the delicious flavors to come in your Banana Cake with Cream Cheese Frosting.
Step 5: Combine Wet and Dry Ingredients
Gradually add half of the flour mixture to the butter mixture, alternating with 1/2 cup of milk. Start and finish with the flour, mixing until just combined. Avoid overmixing, as this will help keep the texture tender. The batter will be thick yet pourable—perfect for your cake layers.
Step 6: Fold in Mashed Bananas
Gently fold in 2 mashed ripe bananas into the batter using a spatula. Be careful not to overmix; you still want to see some banana pieces throughout the batter. This will contribute to the moistness and flavor of your Banana Cake, making it a delightful dessert.
Step 7: Divide and Bake
Evenly distribute the batter among the three prepared cake pans, smoothing the tops with a spatula. Bake in the preheated oven for 20-25 minutes or until a toothpick inserted into the center comes out clean with a few moist crumbs clinging to it. The cakes should be slightly golden on top—this is your cue that they’re done.
Step 8: Cool the Cakes
Once baked, remove the pans from the oven and let them cool on a wire rack for about 10 minutes. After that, carefully turn the cakes out onto the rack to cool completely. Ensuring the cakes are cool before frosting is essential for a beautiful finish on your Banana Cake with Cream Cheese Frosting.
Step 9: Prepare Cream Cheese Frosting
In a mixing bowl, combine 8 oz of softened cream cheese with 1/4 cup of softened unsalted butter using an electric mixer. Beat until creamy and smooth, about 2 minutes. Gradually add 2 cups of powdered sugar and 1 teaspoon of vanilla extract, mixing until the frosting is light and fluffy. The silky texture will perfectly complement your banana cake.
Step 10: Frost the Cake
Once your cakes are completely cool, place one layer on your serving plate and spread a generous layer of cream cheese frosting on top. Add the second layer and repeat with more frosting, then place the final layer on top. Finish by frosting the top and sides of the entire cake. For an extra touch, garnish with sliced bananas for visual appeal and added flavor.
Step 11: Serve and Enjoy
Slice your beautifully crafted Banana Cake with Cream Cheese Frosting and serve it to your eager guests or family. This moist and rich treat is perfect for any gathering or cozy evening at home. Enjoy every delightful slice, relishing the delightful flavors and memories this cake brings!

Make Ahead Options
This Banana Cake with Cream Cheese Frosting is perfect for meal prep enthusiasts looking to save time without sacrificing taste! You can bake the cake layers up to 2 days in advance; simply let them cool completely, wrap them tightly in plastic wrap, and refrigerate. The cream cheese frosting can also be prepared up to 3 days ahead—just store it in an airtight container in the fridge. When you’re ready to serve, allow the cake layers to come to room temperature before frosting to maintain that tender crumb. Assembling your cake at the last minute ensures it stays moist and delicious, giving you a fresh-from-the-oven experience with minimal effort!
Banana Cake with Cream Cheese Frosting Variations
Feel free to let your creativity shine as you customize this lovely Banana Cake to suit your taste or dietary needs!
- Gluten-Free: Swap all-purpose flour with a 1:1 gluten-free flour blend to keep it just as delicious.
- Dairy-Free: Use dairy-free butter and vegan cream cheese to create a completely dairy-free cake that everyone will adore.
- Sweetness Level: Substitute granulated sugar with coconut sugar or a sugar substitute for a healthier option that still satisfies your sweet tooth.
- Extra Flavor: Add 1/4 cup of cocoa powder to the batter for a delightful chocolatey twist. Imagine the rich flavor mingling with the bananas!
- Nutty Boost: Fold in a cup of chopped walnuts or pecans for a delightful crunch that complements the soft cake texture. The added nutty flavor will elevate each bite.
- Fruit Fiesta: Top your cake with fresh berries like strawberries or raspberries to add a refreshing burst of flavor. The contrast of the tart fruit against the sweet frosting is heavenly!
- Almond Extract: Swap vanilla extract for almond extract to give your frosting a lovely, nutty aroma that tantalizes the senses. This small change creates a unique and inviting twist!
- Spiced Up: Add a sprinkle of cinnamon or nutmeg to the batter for a warm spice that perfectly complements the bananas. It creates an enchanting aroma as it bakes, warming your home with comforting scents.
Customize your Banana Cake with Cream Cheese Frosting and explore all the delicious possibilities. Whether with a twist or a classic approach, each slice promises a taste of homemade joy. For more delightful desserts, don’t forget to check out my Pumpkin Cream Cheese Bread and Cherry Almond Cream recipes!
Expert Tips for Banana Cake
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Room Temperature Ingredients: Ensure all ingredients, especially butter and eggs, are at room temperature for optimal blending and to create a light and fluffy Banana Cake with Cream Cheese Frosting.
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Avoid Overmixing: Gently fold in the mashed bananas and mix until just combined to maintain a tender crumb. Overmixing can lead to a dense cake.
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Check Your Oven Temperature: Ovens can vary in temperature. Use an oven thermometer to ensure it’s accurate, ensuring your cake bakes evenly and rises beautifully.
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Cool Completely: Allow the cakes to cool completely on a wire rack before frosting. This helps the icing to set properly and prevents it from melting.
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Adjusting Sweetness: Taste your cream cheese frosting before applying it to the cake and adjust the powdered sugar based on your preference for sweetness.
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Garnish Ideas: Top your finished cake with additional sliced bananas and even a sprinkle of chopped nuts for added texture and visual appeal!
Storage Tips for Banana Cake with Cream Cheese Frosting
Room Temperature: Allow the cake to cool completely before slicing. Store at room temperature in a covered cake stand for up to 2 days for best flavor.
Fridge: For longer freshness, place the banana cake in an airtight container in the refrigerator. It will keep for up to 5 days. Make sure to wrap each slice for optimal taste.
Freezer: You can freeze the banana cake for up to 3 months. Wrap slices tightly in plastic wrap and then in aluminum foil to prevent freezer burn. Thaw in the fridge overnight before serving.
Reheating: For a cozy treat, reheat individual slices in the microwave for about 10-15 seconds until warmed through—perfectly complementing the creamy frosting!
What to Serve with Banana Cake with Cream Cheese Frosting
Enjoying a slice of this Banana Cake with Cream Cheese Frosting is just the beginning—let’s elevate your dessert experience with some perfect pairings!
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Vanilla Ice Cream: The creamy, sweet, and cold vanilla ice cream beautifully complements the cake’s warm flavors, creating a delightful contrast.
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Fresh Berries: A handful of tart raspberries or blueberries adds a pop of freshness and a burst of color to each slice. They’re the perfect balance to the sweetness of the cake.
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Coffee or Espresso: A warm cup of coffee enriches the banana flavor, enhancing the overall experience by adding a comforting, aromatic touch.
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Toasted Nuts: Chopped walnuts or pecans sprinkled on top offer a crunchy texture that pairs deliciously with the moistness of the cake. They add a touch of unexpected delight!
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Coconut Whipped Cream: Light and fluffy, coconut whipped cream adds an exotic twist that enhances the tropical vibe of banana cake. It’s a light, dairy-free option, too!
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Drizzle of Caramel Sauce: A rich drizzle of caramel lends decadent sweetness, elevating each bite with its gooey goodness—a real showstopper!
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Mint Leaves: Fresh mint leaves provide a refreshing garnish, enhancing the visual appeal and offering a hint of herbal brightness to the dessert.
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Chai Tea: A warm cup of spiced chai tea provides a comforting flavor profile that pairs wonderfully with the sweetness of the banana cake, turning it into a cozy treat.
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Lemon Zest: A sprinkle of lemon zest over each slice brightens the flavors, offering a citrus zing that cuts through the creaminess beautifully.
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Sparkling Water with Lime: A refreshing drink like sparkling water with a splash of lime balances the sweetness effectively, making for a delightful palate cleanser.

Banana Cake with Cream Cheese Frosting Recipe FAQs
How do I select ripe bananas for this recipe?
Absolutely! For the best flavor and moisture, look for bananas that are heavily spotted or even blackened. The more ripe they are, the sweeter they will be, which is essential for creating a delicious Banana Cake with Cream Cheese Frosting. If your bananas are still a bit green, you can speed up their ripening by placing them in a brown paper bag at room temperature for a day or two.
What’s the best way to store leftovers?
Very important! To keep your Banana Cake with Cream Cheese Frosting fresh, store it in an airtight container in the refrigerator for up to 5 days. For optimal taste, consider wrapping each slice individually in plastic wrap before placing it in the container—this ensures they stay moist and delicious!
Can I freeze the banana cake?
Yes, you can freeze it! To do so, start by allowing the cake to cool completely. Slice it into individual pieces, then wrap each slice tightly in plastic wrap, followed by aluminum foil to prevent freezer burn. The cake can be stored in the freezer for up to 3 months. When you’re ready to enjoy, simply thaw a slice in the fridge overnight and reheat it in the microwave for about 10-15 seconds for that fresh, baked taste!
Why did my cake turn out dense?
Oh no! A dense cake can often result from overmixing the batter or using chilled ingredients. To achieve a light, fluffy Banana Cake with Cream Cheese Frosting, make sure all your ingredients are at room temperature and mix until just combined. Overmixing can lead to excess gluten formation, resulting in a heavy texture—that’s why gentle mixing is key!
Is this recipe suitable for people with allergies?
Thank you for asking! Yes, this recipe can easily be modified for those with dietary restrictions. For a gluten-free version, substitute the all-purpose flour with a gluten-free flour blend. To make it dairy-free and vegan, use dairy-free butter and cream cheese, and replace eggs with flax eggs (1 tbsp flaxseed meal + 2.5 tbsp water per egg). Always double-check for specific allergen concerns based on the products you choose. Enjoy cooking with care!
How do I know when my cake is done baking?
Great question! To check for doneness, insert a toothpick in the center of the cakes. If it comes out clean with a few moist crumbs clinging to it, your Banana Cake is ready. Keep an eye on it during the last few minutes of baking, as oven temperatures can vary—so you want that perfect bake every time!

Irresistible Banana Cake with Cream Cheese Frosting Recipe
Ingredients
Equipment
Method
- Preheat your oven to 350°F (175°C) and prepare three 6-inch round cake pans by greasing them and dusting with flour.
- In a medium bowl, whisk together flour, baking powder, and salt. Set aside.
- In a large mixing bowl, cream together butter and sugar until light and fluffy, about 3-5 minutes.
- Add eggs one at a time, mixing well after each addition, followed by vanilla extract.
- Gradually add half of the flour mixture to the butter mixture, alternating with milk. Mix until just combined.
- Fold in the mashed bananas gently, ensuring some pieces remain visible.
- Divide the batter among the prepared pans and bake for 20-25 minutes, or until a toothpick comes out clean.
- Cool the cakes in the pans for about 10 minutes, then transfer to a wire rack to cool completely.
- To prepare frosting, beat together cream cheese and butter until smooth, then gradually add powdered sugar and vanilla.
- Once cool, frost the layers of the cake and garnish with sliced bananas.
- Slice and serve to enjoy your delicious Banana Cake with Cream Cheese Frosting.

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