Banana Pudding Cake Indulgence

Featured in: Sweet treats for any occasion

Experience a luscious banana cake featuring three decadent layers—moist cake made with ripe bananas, silky vanilla pudding infused into every bite, and a rich, smooth cream cheese topping. The cake is assembled with pudding and cream layers spread over tender baked cake, then garnished with fresh banana slices and crisp cookie crumbs. After chilling, each slice reveals a harmony of flavors and textures, making it a standout dessert for gatherings or a special treat. Simple steps and classic flavors combine for satisfying results that are sure to delight all banana lovers.

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Updated on Sun, 25 Jan 2026 12:37:07 GMT
A slice of Banana cake with caramel drizzle on a white plate. Pin it
A slice of Banana cake with caramel drizzle on a white plate. | myhomemaderecipe.com

This Banana Pudding Cake is the ultimate fusion of two Southern classics Every bite brings creamy vanilla pudding and lush cream cheese together over a moist banana-infused cake On birthdays and potlucks it is the showstopper everyone asks for

Every time I bake this cake it vanishes within minutes My aunt first brought it to a barbecue years ago and now it is a family tradition for every celebration

Ingredients

  • All-purpose flour: provides a structure that holds up well to the gentler pudding and cream layers look for unbleached flour for a tender crumb
  • Baking powder and baking soda: help the cake rise and stay fluffy fresh leaveners guarantee best texture
  • Salt: balances sweetness and brightens the banana flavor
  • Granulated sugar and brown sugar: create depth and moistness in the cake light brown sugar adds a hint of caramel
  • Vegetable oil or melted butter: ensures the crumb stays moist over days choose neutral oil or real butter for richness
  • Large eggs: bind everything and give a gentle lift free-range eggs add extra color and flavor
  • Mashed ripe bananas: are the star ingredient the darker the banana the sweeter and stronger the banana flavor will be
  • Milk: gives the cake moisture and tenderness whole milk or even buttermilk both work well for extra richness
  • Vanilla extract: brings warmth and classic pudding aroma real vanilla extract makes a difference here
  • Instant vanilla pudding mix: thickens quickly for fussfree assembly choose a high quality brand for smoothest texture
  • Cold milk: activates the pudding and soaks into the cake use very cold milk for a firmer set
  • Cream cheese: creates a tangy creamy layer softened cream cheese mixes more easily for lumpfree results
  • Powdered sugar: sweetens the cream layer without grittiness sift it for silkiness
  • Whipped topping or whipped cream: makes the creamy layer light and cloudlike chill your whipped cream before folding for stability
  • Extra sliced bananas: give fresh sweetness and beautiful presentation use justripened bananas for the topping so they hold their shape
  • Crushed vanilla cookies: bring a crunchy contrast nilla wafers or similar work best
  • A sprinkle of cinnamon or nutmeg: adds warmth and a nostalgic bakery aroma

Instructions

Bake the Cake:
Mix Dry Ingredients In a large bowl whisk together flour baking powder baking soda and salt for at least one full minute making sure all leaveners are evenly distributed for an even rise throughout the cake
Combine Wet Ingredients:
In a second bowl use a hand whisk or electric mixer to blend together granulated sugar brown sugar oil or melted butter eggs mashed bananas milk and vanilla extract until completely smooth Take time here because this locks in moisture and flavor
Combine and Bake:
Gently pour the wet mixture into the dry ingredients Folding very gently mix just until you see no more streaks of flour to keep the cake delicate Pour batter into a greased 9 by 13 inch baking dish smooth the top and bake at 350 F for 30 to 35 minutes Insert a toothpick in several spots to ensure it comes out clean letting you know the cake is done Let the cake cool fully this keeps the pudding layer from melting
Make the Pudding:
Thickening the Pudding In a mixing bowl vigorously whisk the instant vanilla pudding mix with two cups of very cold milk for two to three minutes until thick and creamy Let it chill in the refrigerator for about five minutes so it sets up to the perfect spreading consistency
Prepare the Cream Layer:
Cream the Base In a clean bowl beat together cream cheese powdered sugar and vanilla until silky smooth with no lumps This is easiest with a hand or stand mixer Scrape down the sides often to ensure everything is incorporated
Fold in Whipped Topping:
Using a spatula fold the whipped topping into the cream cheese mixture Gently lift and turn until the mix is ultra fluffy and no streaks remain which gives the final dessert an airy texture
Assemble the Cake:
Soak the Cake Once your cake is cool use a fork to poke holes all over the surface This helps the pudding soak in for ultimate moisture Spread Pudding Layer Pour the chilled vanilla pudding evenly over the poked cake surface Spread it right to the edges so every bite gets pudding Add Bananas Arrange evenly sliced fresh bananas over the pudding pressing them just slightly so they adhere Top with Cream Layer Spread the cream cheese mixture over the banana layer using an offset spatula to get it perfectly smooth Top with a little extra whipped topping if desired
Final Touches:
Add extra banana slices crushed vanilla cookies and a dusting of cinnamon or nutmeg if you want extra flavor or crunch Chill and Serve Cover and refrigerate the whole cake for at least two hours More chilling time means neater slices and deeper flavor When ready slice it into squares and serve cold
A slice of banana cream pie with whipped cream and banana slices on top. Pin it
A slice of banana cream pie with whipped cream and banana slices on top. | myhomemaderecipe.com

The tangy cream cheese layer is what wins me over every time My kids argue over who gets the corner slice crowned with the most extra cookies Last summer my youngest insisted we add cinnamon and now it is a must for us

Storage Tips

Store leftovers tightly covered in the refrigerator The cake actually tastes better the next day because the flavors have more time to mingle If you want to save extra slices wrap them individually this keeps the bananas from getting mushy

Ingredient Substitutions

You can swap out vanilla instant pudding for banana flavor if you want things even more banana forward Use Greek yogurt in place of cream cheese for a lighter tang If out of whipped topping try softly whipped heavy cream with a touch of sugar

Serving Suggestions

Garnish each slice with a few more cookie crumbs or an extra swirl of whipped cream To impress guests add a drizzle of caramel just before serving If making for kids slice extra bananas on the side since little hands always want more fruit

Cultural or Historical Context

Banana pudding is a Southern icon typically built in layered trifle form This cake version borrows that nostalgia and gives it an easy partyfriendly twist Recipes like this started showing up at church gatherings back in the 1950s and instantly became classics

A slice of banana cream pie with whipped cream on top. Pin it
A slice of banana cream pie with whipped cream on top. | myhomemaderecipe.com

This crowd-pleaser is everything you want from a Southern summer cake Make it ahead and let every bite transport you to a porch swing in July

Frequently Asked Questions

→ Can I use homemade pudding instead of instant mix?

Yes, you can substitute homemade vanilla pudding for the instant mix to add a richer flavor and creamier texture.

→ How ripe should the bananas be?

For best results, use very ripe bananas with brown spots—they provide extra sweetness and moisture.

→ Can the cake be made ahead of time?

Absolutely. Assemble and chill it for several hours or overnight for the flavors to meld beautifully.

→ Are there alternative toppings I can use?

Yes, try sliced strawberries, chocolate chips, or a dusting of cocoa powder for variety in taste and appearance.

→ How do I prevent the bananas on top from browning?

Lightly brush banana slices with lemon juice before adding them to help keep their color fresh.

Banana Pudding Cake Layers

Moist banana cake layered with vanilla pudding, cream cheese, and optional bananas for rich, nostalgic flavor.

Prep Time
30 Minutes
Cook Time
35 Minutes
Total Time
65 Minutes
By: Susan

Category: Desserts

Difficulty: Intermediate

Cuisine: American

Yield: 12 Servings (One 33 x 23 cm cake)

Dietary: Vegetarian

Ingredients

→ Cake Layer

01 260 g all-purpose flour
02 5 g baking powder
03 2 g baking soda
04 2 g salt
05 100 g granulated sugar
06 100 g light brown sugar
07 120 ml vegetable oil or melted butter
08 2 large eggs
09 250 g mashed ripe bananas (approximately 2–3 medium bananas)
10 120 ml whole milk
11 5 ml vanilla extract

→ Pudding Layer

12 1 package instant vanilla pudding mix
13 480 ml cold whole milk

→ Cream Layer

14 225 g cream cheese, softened
15 60 g powdered sugar
16 5 ml vanilla extract
17 240 ml whipped topping or whipped cream

→ Optional Topping

18 Sliced bananas
19 Crushed vanilla cookies
20 Ground cinnamon or nutmeg

Instructions

Step 01

Preheat oven to 175°C. Grease a 33 x 23 cm baking dish thoroughly.

Step 02

In a large bowl, whisk together flour, baking powder, baking soda, and salt until evenly distributed.

Step 03

In a separate bowl, combine granulated sugar, brown sugar, vegetable oil or melted butter, eggs, mashed bananas, milk, and vanilla extract. Whisk until fully blended and smooth.

Step 04

Pour wet mixture into the bowl with dry ingredients and stir gently until just combined, taking care not to overmix.

Step 05

Transfer batter to the prepared baking dish. Bake for 30–35 minutes, or until a toothpick inserted in the centre comes out clean. Allow cake to cool completely in the dish.

Step 06

In a bowl, whisk instant pudding mix with cold milk for 2–3 minutes until thickened. Refrigerate for approximately 5 minutes to set.

Step 07

In a mixing bowl, beat softened cream cheese, powdered sugar, and vanilla extract until smooth and creamy. Fold in whipped topping gently to maintain volume.

Step 08

Once cake is cool, use a fork to poke holes evenly across the cake surface. Spread the chilled vanilla pudding evenly over the cake base. Arrange a layer of fresh banana slices atop the pudding. Evenly distribute the cream cheese mixture over the bananas.

Step 09

If desired, spread additional whipped topping, garnish with sliced bananas, sprinkle with crushed vanilla cookies, and dust with cinnamon or nutmeg. Refrigerate cake for at least 2 hours to allow layers to set.

Step 10

Slice chilled cake into portions and serve immediately.

Notes

  1. For a more pronounced banana flavour, use very ripe bananas with deep brown speckling.
  2. Ensure the cake is completely cooled before assembly to prevent the cream and pudding layers from melting.

Tools You'll Need

  • Large mixing bowls
  • Electric mixer or whisk
  • 33 x 23 cm baking dish
  • Oven
  • Spatula

Allergy Information

Please check ingredients for potential allergens and consult a health professional if in doubt.
  • Contains gluten, dairy, and eggs.

Nutrition Facts (Per Serving)

It is important to consider this information as approximate and not to use it as definitive health advice.
  • Calories: 360
  • Total Fat: 13 g
  • Total Carbohydrate: 52 g
  • Protein: 5 g