Best Healthy Chocolate Oat Cake Recipe

I was not planning to make dessert today, but I had oatmeal, cocoa, and bananas sitting around, so why not? No sugar, no flour, just simple ingredients turning into the most delicious chocolate oat cake. Trust me, you are going to love how easy this is!

Watch my video below for a simple, step-by-step recipe for creating this delicious Chocolate Oat Cake. If you enjoy it, don’t forget to like and subscribe for more easy and tasty recipes!

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Why You’ll Love This Chocolate Oat Cake

If you love chocolate but want something healthier, this Chocolate Oat Cake is the perfect treat. It is naturally sweetened, flourless, and packed with fiber, so you can enjoy it anytime without the guilt.

• No guilt, all flavor – Sweet, chocolatey, and super satisfying—without any refined sugar or flour.
• Naturally sweetened – Ripe bananas do all the work here, so you do not need extra sugar. The more ripe, the better!
• Oats = fiber + fuel – Oats keep you full and give this cake a soft, moist texture. It is like eating dessert but feeling good about it.
• Ridiculously easy to make – No fancy ingredients, no complicated steps. Just mix, bake, and enjoy.
• Perfect for anytime – Breakfast? Snack? Dessert? You name it. This cake works for all of them.
• Great way to use up ripe bananas – Got some bananas turning brown? Don’t throw them out—turn them into this cake instead!
• Customizable – Add nuts, drizzle melted chocolate on top, or even throw in some dark chocolate chips for extra indulgence.
• Tastes way better than “healthy” sounds – Trust me, once you take a bite, you will forget this is a Sugar-Free Oatmeal Cake—it is just that good!

Ingredients You’ll Need

You won’t believe how simple this Chocolate Oat Cake recipe is! I threw together a few basic ingredients—no flour, no sugar—just oats, bananas, and cocoa, and somehow ended up with the richest, most delicious cake.

• Instant oats – 1 1/4 cups (120 grams)
• Hot milk – 1 cup (250 milliliters)
• Ripe bananas – 2 pieces medium-sized
• Eggs – 2 pieces large
• Dutch-process cocoa powder – 3 tablespoons (15 grams)
• Pinch of salt
• Baking powder – 1 teaspoon (4 grams)
• Dark semi-sweet chocolate – 1/2 cup (100 grams)
• Milk for chocolate topping – 1/4 cup (50 milliliters)
• Optional: Chopped nuts for topping – 1/4 cup (about 30 grams)

Dutch-processed cocoa gives this oat cake a smoother, richer chocolate flavor without the bitter edge that regular cocoa sometimes has.

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How to Make This Chocolate Oat Cake

Prepare yourself for our quickest oat banana cake recipe that goes as far as not even requiring a mixer. Mash, mix, and pop it into the oven, and in no time, you will have a soft and chocolatey cake. Here is how to make it:

Step 1: Soak the Oats

Grab a mixing bowl, toss in the oats, and pour over the hot milk. Give it a good stir and let it sit for a few minutes. The oats will soak up the milk, getting soft and creamy—this is what gives the cake its amazing texture.

Tip: Let the oats soak for at least 5 minutes. The longer they sit, the softer the cake will be!

Step 2: Mash the Bananas

In another bowl, mash up those ripe bananas until they are smooth. A few small chunks are fine, but the smoother, the better. This is what makes the cake naturally sweet and super moist!

Step 3: Mix the Wet Ingredients

Crack the eggs into the mashed bananas and whisk until fully combined. This helps everything hold together while keeping the cake nice and fluffy.

Step 4: Add Cocoa and Baking Powder

Now, stir in the cocoa powder, baking powder, and a pinch of salt. Mix well until the batter turns deep, chocolatey, and smooth. You are already halfway to cake heaven!

Tip: Use Dutch-process cocoa for a smoother, more intense chocolate flavor. Regular cocoa works too, but Dutch cocoa takes it up a notch.

Step 5: Combine the Oats

Take the soaked oats and mix them into your banana-cocoa mixture. Stir everything together until you have a thick, even batter. It might not look like a traditional cake batter, but trust me—it bakes up beautifully.

Step 6: Bake the Cake

Pour the batter into a lined springform pan, smoothing out the top. Want a little crunch? Sprinkle some chopped nuts on top. Pop it into a preheated oven at 180°C (350°F) and let it bake for 35–40 minutes until your kitchen smells amazing.

Step 7. Make the Chocolate Topping

For an extra indulgent touch, melt 100g dark semi-sweet chocolate with 50ml hot milk in a small bowl. Let it sit for a minute, then stir until smooth. Drizzle over the cooled cake using a spoon or a small piping bag.

Step 8: Enjoy!

Time to dig in! This cake is soft, rich, and packed with chocolatey goodness.

Either way, you are going to love this Flourless Oatmeal Chocolate Cake with bananas—a treat that is healthy, simple, and seriously delicious!

Try Another Easy Healthy Oat Treat! Did you love baking with oats? Try this delicious Blueberry Jam Oatmeal Bars recipe here.

Serving Suggestions

Enjoy a slice of this moist banana oatmeal cake with a hot cup of coffee or tea—it is the perfect way to satisfy your sweet tooth without the guilt. The rich chocolate flavor and natural sweetness from bananas make it feel indulgent, but it is made with wholesome ingredients you can feel good about.

If you want to take it up a notch, serve it warm with a scoop of vanilla ice cream or a dollop of whipped cream. Fresh raspberries or strawberries add a pop of color and just the right amount of tartness to balance the chocolate.

Whether you enjoy it as a dessert or a healthy oatmeal breakfast cake, it is always a delicious choice!

Storage Tips:

Keep any leftovers in an airtight container at room temp, and they will stay fresh for up to three days—but let’s be real, this healthy oatmeal cake probably won’t last that long!

If you want to keep it around a little longer, pop it in the fridge for up to a week. When you are ready to eat, let it come to room temp or warm it up slightly to bring back that soft, chocolatey goodness.

Want to save some for later? Wrap individual slices in plastic wrap, toss them in a freezer-safe bag, and freeze for up to two months.

When the craving hits, just thaw a slice at room temp, and it will taste just as good as the day you baked it. This oatmeal banana cake without flour is perfect for meal prep or a quick, healthy treat anytime!

More Sugar-Free Desserts to Try

If you love guilt-free treats, here are some more sugar-free desserts you will want to try next:

• Flourless Sugar-Free Cake – Light, fluffy, and naturally sweet.
• Naturally Sweet Healthy Cookie: No Flour, No Sugar, Lots of Energy – A perfect snack to keep you energized.
• Moist Banana Oatmeal Cake with a Chocolate Twist – No Sugar & No Gluten – A rich, chocolatey take on a classic healthy dessert.

Give these recipes a try and let me know what you think.