Delicious Banana Pudding Cake Recipe

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Modified:May 1, 2026

Published:April 29, 2026

by Hassna Dali

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Get ready to experience the ultimate comfort dessert in cake form! This isn’t just any cake; it’s a moist, tender banana cake layered with a rich, creamy homemade banana pudding, fresh banana slices, and crunchy vanilla wafers, all crowned with a luscious whipped topping. Each bite delivers a symphony of textures and flavors – the soft cake, the silken pudding, the sweet bananas, and that delightful wafer crunch. It’s truly a showstopper that will have everyone asking for the recipe. If you’re looking to elevate your baking game and impress your guests, or simply treat yourself to something extraordinary, this banana pudding cake is your answer! Check out more good recipes here to round out your dessert repertoire.

Why This Banana Pudding Cake Will Be Your New Favorite

My Go-To Dessert for Potlucks and Celebrations

This banana pudding cake is an absolute crowd-pleaser. It travels beautifully, slices easily, and evokes such nostalgic comfort that it instantly becomes the star of any gathering. From summer barbecues to holiday feasts, it’s a surefire hit every single time.

Baking for a Satisfying Sweet Treat

Sometimes you just crave a dessert that feels wholesome, yet utterly decadent. This cake strikes that perfect balance. The natural sweetness of bananas combined with the creamy pudding and moist cake makes for an incredibly satisfying treat that feels both special and lovingly homemade.

How This Banana Pudding Cake Works

Moist, Flavorful Cake Layers

Our cake layers are designed for maximum moisture and banana flavor. We use a combination of mashed ripe bananas, buttermilk, and vegetable oil to ensure a tender crumb that stays fresh for days, perfectly complementing the rich pudding.

Creamy Banana Pudding Filling

Forget the box mixes! Our homemade pudding is incredibly rich, smooth, and bursting with real banana flavor. It’s the heart of this cake, providing that irresistible creamy element that makes banana pudding so iconic.

Crunchy Wafer Texture

The vanilla wafers aren’t just for decoration; they provide a crucial textural contrast. Their crispness against the soft cake and creamy pudding adds a delightful dimension, creating a truly dynamic dessert experience.

Perfectly Balanced Sweetness

This cake is sweet, but not cloyingly so. The natural sweetness of the bananas, combined with a carefully balanced sugar content in both the cake and pudding, ensures a harmonious flavor profile that leaves you wanting just one more slice.

Ingredients and Smart Substitutions

Here is what you need and why:

For the Cake: All-Purpose Flour vs. Cake Flour: I typically use all-purpose flour for its reliability and tender results in this recipe. However, if you want an even finer, more delicate crumb, you can absolutely substitute cake flour. Just be sure to sift it for optimal lightness. Using a kitchen scale for accuracy is always best!

Sweeteners: Granulated Sugar and Brown Sugar: Granulated sugar provides sweetness and helps with browning, while brown sugar adds moisture, a subtle molasses flavor, and contributes to the cake’s tender texture. Don’t skimp on either!

Fats: Unsalted Butter and Vegetable Oil: We use unsalted butter for its rich flavor in the cake batter, which we cream with sugar. Vegetable oil is also included to ensure maximum moisture and a soft crumb that stays tender longer.

Leavening: Baking Powder and Baking Soda: This dynamic duo ensures our cake rises beautifully. Baking powder reacts with liquid, while baking soda needs an acid (like buttermilk or brown sugar) to activate, giving our cake the perfect lift and texture.

Dairy: Buttermilk and Milk Options: Buttermilk is crucial for activating the baking soda and contributing to a moist, tangy cake. If you don’t have it, you can make a substitute by adding 1 tablespoon of white vinegar or lemon juice to a measuring cup, then filling the rest with regular milk (dairy or non-dairy) to make 1 cup. Let it sit for 5-10 minutes until slightly curdled. We’ll also use regular milk in the homemade pudding.

Vanilla Extract: Quality Matters: A good quality pure vanilla extract is essential. It enhances all the other flavors. Don’t use imitation if you can help it!

Bananas: Ripeness is Key: For the mashed bananas in the cake, choose bananas that are very ripe – spotted brown, but not entirely black. For the sliced bananas in the layers, aim for ripe, but still firm, ones to prevent them from becoming too mushy.

For the Pudding: Instant vs. Homemade: While some recipes call for instant pudding, I strongly advocate for a homemade vanilla pudding base. It’s surprisingly easy, yields a far superior flavor and texture, and truly elevates this banana pudding cake. We’ll add fresh banana flavor to it.

Cream Cheese: Full-Fat for Best Results: For the whipped topping, use full-fat cream cheese. It provides the best structure, richness, and tang to balance the sweetness. Don’t opt for low-fat here, trust me.

Whipped Topping: Homemade vs. Store-Bought: A homemade whipped cream stabilized with a little cream cheese is always superior, but for convenience, a good quality store-bought whipped topping like Cool Whip can work. Make sure it’s thawed before using.

Vanilla Wafers: The Classic Crunch: Vanilla wafers are non-negotiable! They provide that signature crunch and flavor that makes banana pudding so iconic. I prefer Nabisco Nilla Wafers for their classic taste and texture.

Step-by-Step Instructions for the Perfect Banana Pudding Cake

Follow these step-by-step instructions:

1. Prepping Your Pans and Oven

Preheat your oven to 350°F (175°C). Grease and flour two 8-inch round cake pans, or line them with parchment paper circles on the bottom for easy release. This is a crucial first step for ensuring your cakes come out perfectly.

2. Mixing the Dry Ingredients

In a medium bowl, whisk together the all-purpose flour, granulated sugar, brown sugar, baking powder, baking soda, and salt. Make sure there are no lumps and the mixture is well combined. This ensures even leavening throughout the cake.

3. Creating the Pudding Filling

In a medium saucepan, whisk together milk, granulated sugar, egg yolks, and cornstarch until smooth. Cook over medium heat, stirring constantly with a whisk, until the mixture thickens and comes to a gentle boil. Remove from heat, stir in vanilla extract, a pinch of salt, and a dash of banana extract if desired. Press plastic wrap directly onto the surface to prevent a skin from forming and chill completely in the refrigerator.

4. Assembling the Cake Layers

Once the cake layers are cooled and the pudding is thoroughly chilled, it’s time to assemble! Place one cake layer on your serving plate. Spread about 1/3 of the chilled pudding over the cake. Arrange a single layer of fresh banana slices over the pudding, then sprinkle with a generous amount of crushed vanilla wafers. Repeat with the second cake layer, another layer of pudding, bananas, and wafers. Top with the final cake layer.

5. Frosting and Final Chill

In a large bowl, beat softened cream cheese until smooth. Gradually add powdered sugar and vanilla extract, then beat until creamy. Slowly add heavy cream and beat on high speed until stiff peaks form, creating a stable, fluffy topping. Spread this whipped cream cheese frosting generously over the entire cake. Garnish with more fresh banana slices and whole vanilla wafers. Chill the cake in the refrigerator for at least 4 hours, or preferably overnight, for optimal setting and flavor development.

Expert Tips for Banana Pudding Cake Success

  • Don’t Overmix the Batter: Overmixing develops gluten, leading to a tough cake. Mix until just combined when adding wet to dry ingredients. A few lumps are okay!
  • Use Ripe (But Not Overly Mushy) Bananas: For the cake, use very ripe, spotty bananas for maximum flavor and natural sweetness. For the layers, choose ripe but still firm bananas that hold their shape.
  • Chill Thoroughly Before Serving: This is non-negotiable! The cake needs ample time (at least 4 hours, preferably overnight) for the pudding to set, the flavors to meld, and the wafers to soften just slightly, creating that perfect banana pudding texture.
  • Room Temperature Ingredients for Best Emulsification: Ensure your butter, eggs, buttermilk, and cream cheese are all at room temperature. This allows them to combine more smoothly, creating a more uniform and tender cake batter and a smoother frosting.
  • Adjust Sweetness to Your Liking: Taste your pudding as you go and adjust the sugar content if you prefer a less sweet dessert. Remember, the bananas add natural sweetness too.
  • Learn more about baking perfect cakes from King Arthur Baking!

What to Serve With Your Banana Pudding Cake

A Scoop of Vanilla Ice Cream

A classic pairing! The cool, creamy vanilla ice cream perfectly complements the warm spices and rich banana flavor of the cake, adding an extra layer of indulgence.

Freshly Brewed Coffee or Tea

A hot cup of coffee or a comforting cup of tea provides a lovely counterpoint to the sweetness of the cake. The slight bitterness or earthy notes perfectly cleanse the palate.

A Simple Berry Compote

For a touch of tartness and a splash of color, a simple berry compote (made with mixed berries simmered with a little sugar and lemon juice) would be a delightful addition.

Storing and Reheating Your Cake

Refrigeration for Freshness

Because of the fresh bananas and dairy-based pudding, this cake must be stored in the refrigerator. Cover it loosely with plastic wrap or place it in an airtight cake carrier. It will stay fresh and delicious for 3-4 days. The bananas in the layers might brown slightly over time, but the flavor will still be fantastic.

Freezing for Longer Storage

You can freeze individual slices or the entire cake (unfrosted is best, or with just the cream cheese layer). Wrap tightly in plastic wrap, then in aluminum foil. It can be frozen for up to 1 month. Thaw overnight in the refrigerator before serving. The texture of the fresh bananas might be slightly altered after freezing.

Serving Cold for Best Texture

This banana pudding cake is absolutely best served chilled, straight from the refrigerator. The cold temperature helps the pudding and frosting maintain their structure, and the overall experience of the cool, creamy dessert is simply divine.

Banana Pudding Cake FAQs

Can I use yellow cake mix instead of making from scratch?
Absolutely! While homemade is always preferred for flavor and texture, a good quality yellow cake mix can be a time-saver. Prepare it according to package directions, perhaps adding an extra mashed banana or a teaspoon of banana extract for more flavor.
How ripe should the bananas be?
For the cake batter, use very ripe bananas with plenty of brown spots – this ensures maximum sweetness and banana flavor. For the layers, choose ripe but still firm bananas to prevent them from becoming too mushy and to maintain their aesthetic appeal.
Can I make this cake ahead of time?
Yes, and in fact, it’s highly recommended! This cake benefits greatly from chilling overnight. It allows the pudding to set completely, the flavors to meld, and the wafers to soften to that classic texture. You can bake the cake layers a day or two in advance and store them at room temperature, then assemble and chill the day before serving.
Why is my pudding runny?
A runny pudding is usually due to not cooking it long enough. Ensure you cook the pudding over medium heat, stirring constantly, until it thickens sufficiently and comes to a gentle boil for at least one minute. It should coat the back of a spoon. Chilling it thoroughly is also crucial for it to set properly.
What’s the best way to prevent the bananas from browning?
While some browning is inevitable due to oxidation, you can minimize it by tossing sliced bananas for the layers in a very light coating of lemon juice or a fruit preservative like Fruit-Fresh before adding them to the cake. This won’t eliminate it entirely, but it will slow down the process considerably.
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Delicious Banana Pudding Cake


  • Total Time: 1 hour 15 minutes
  • Yield: 12 servings

Description

This exquisite banana pudding cake is a celebration of classic flavors, featuring moist banana cake layers, creamy homemade pudding, fresh bananas, and crunchy vanilla wafers. It’s the ultimate dessert for any occasion, combining nostalgic comfort with irresistible elegance.


Ingredients

  • 2 ½ cups all-purpose flour
  • 1 ½ cups granulated sugar
  • ½ cup packed light brown sugar
  • 2 teaspoons baking powder
  • 1 teaspoon baking soda
  • ½ teaspoon salt
  • ½ cup (1 stick) unsalted butter, softened
  • ½ cup vegetable oil
  • 2 large eggs, room temperature
  • 1 cup buttermilk, room temperature
  • 1 teaspoon pure vanilla extract
  • 1 ½ cups mashed ripe bananas (about 34 medium)
  • For the Homemade Banana Pudding:
  • 2 ½ cups whole milk
  • ¾ cup granulated sugar
  • ¼ cup cornstarch
  • 3 large egg yolks
  • 1 teaspoon pure vanilla extract
  • Pinch of salt
  • Optional: ½ teaspoon banana extract
  • For the Cream Cheese Whipped Topping:
  • 8 ounces full-fat cream cheese, softened
  • ½ cup powdered sugar
  • 1 teaspoon pure vanilla extract
  • 1 ½ cups cold heavy cream
  • For Assembly:
  • 34 medium ripe but firm bananas, sliced
  • 1 (11 ounce) box vanilla wafers, crushed and some whole for garnish

Instructions

  • Prepare Cake Layers: Preheat oven to 350°F (175°C). Grease and flour two 8-inch round cake pans. In a large bowl, whisk together flour, granulated sugar, brown sugar, baking powder, baking soda, and salt. In a separate bowl, cream softened butter and vegetable oil. Beat in eggs one at a time. Slowly add buttermilk, vanilla extract, and mashed bananas. Gradually add wet ingredients to dry, mixing until just combined. Divide batter evenly between pans. Bake for 28-32 minutes, or until a toothpick inserted into the center comes out clean. Cool in pans for 10 minutes, then invert onto a wire rack to cool completely.
  • Make Homemade Banana Pudding: In a medium saucepan, whisk together milk, granulated sugar, cornstarch, and egg yolks until smooth. Cook over medium heat, stirring constantly, until mixture thickens and comes to a gentle boil. Remove from heat, stir in vanilla extract, salt, and optional banana extract. Pour into a bowl, cover surface directly with plastic wrap, and chill completely in the refrigerator (at least 2-3 hours).
  • Prepare Cream Cheese Whipped Topping: In a large bowl, beat softened cream cheese until smooth. Gradually add powdered sugar and vanilla extract, beating until creamy. With the mixer on high speed, slowly pour in cold heavy cream and beat until stiff peaks form.
  • Assemble the Cake: Place one cooled cake layer on your serving plate. Spread about 1/3 of the chilled pudding over the cake. Arrange a single layer of sliced bananas over the pudding, then sprinkle with a generous amount of crushed vanilla wafers. Repeat with the second cake layer, another layer of pudding, bananas, and wafers. Place the final cake layer on top.
  • Frost and Chill: Generously spread the cream cheese whipped topping over the entire cake. Garnish with additional fresh banana slices and whole vanilla wafers. Chill the cake in the refrigerator for at least 4 hours, or preferably overnight, for optimal setting and flavor development. Serve cold.
  • Prep Time: 45 mins
  • Cook Time: 30 mins

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