Banana pudding is a dessert that never goes out of style—comforting, creamy, and layered with nostalgia. This easy banana pudding recipe brings all the classic flavors of the Southern favorite without the fuss. It’s fast, foolproof, and deeply satisfying, with sweet slices of ripe banana tucked between layers of silky vanilla pudding and vanilla wafers.
The magic of this dish lies in the contrast of textures: soft bananas, crisp cookies that slowly soften into cake-like bites, and the creamy pudding that binds it all together. And thanks to a few pantry shortcuts, this version comes together in about 20 minutes with minimal effort and no cooking.
Whether you’re hosting a cookout, bringing dessert to a potluck, or just craving something sweet and simple, this banana pudding is a guaranteed crowd-pleaser.
Ingredients Overview
This easy banana pudding keeps things streamlined with a mix of pantry staples and fresh fruit. The result is a dessert that tastes homemade, with hardly any prep time.
Instant Vanilla Pudding Mix – This is the shortcut hero of the recipe. It thickens quickly and provides that classic vanilla flavor. Use a 5.1 oz (large) box for a big batch. For a deeper flavor, you can use French vanilla or banana cream pudding mix.
Cold Milk – Whole milk is best for a rich, creamy texture, but 2% works fine. Avoid non-dairy milk unless it’s specifically labeled as compatible with instant pudding mix, as some won’t thicken properly.
Sweetened Condensed Milk – Just a touch adds richness and depth, making the pudding taste homemade. It also helps sweeten the mixture without needing extra sugar.
Heavy Whipping Cream or Whipped Topping – This gets folded into the pudding to make it light, fluffy, and luscious. You can use freshly whipped cream or thawed whipped topping (like Cool Whip) for ease.
Vanilla Wafers – Classic Nilla wafers or your favorite brand of vanilla cookies create the base and layers. They soak up just enough moisture to become soft and cake-like over time.
Bananas – Ripe but firm bananas are best. You want sweet flavor without mushiness. Slice them just before layering to avoid browning.
Vanilla Extract (Optional) – Adds warmth and a little homemade depth to the pudding.
This recipe is highly adaptable. You can use graham crackers or shortbread in place of wafers, swap in coconut whipped cream, or add a dash of cinnamon to the pudding for a twist.
Step-by-Step Instructions

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Prepare the pudding.
In a large mixing bowl, whisk together the instant vanilla pudding mix and 2¾ cups cold milk. Whisk for about 2 minutes until thickened. Let it sit for 3–5 minutes to fully set. -
Add condensed milk.
Stir in ½ cup sweetened condensed milk and 1 teaspoon vanilla extract (optional). Mix until smooth. -
Fold in whipped cream.
If using homemade whipped cream, beat 1 cup heavy cream to soft peaks, then fold it gently into the pudding mixture. If using whipped topping, fold in 8 oz (about 3 cups) until evenly combined. The mixture should be light, smooth, and fluffy. -
Slice the bananas.
Peel and slice 3–4 ripe bananas into ¼-inch thick rounds. Set aside. -
Assemble the layers.
In a 9×13 baking dish or a large trifle bowl, add a single layer of vanilla wafers. Top with a layer of banana slices, then spoon and spread a layer of the pudding mixture on top. Repeat the layers—wafers, bananas, pudding—until all ingredients are used, finishing with a pudding layer. -
Top and chill.
Top with extra whipped cream or a few crushed wafers for decoration. Cover and refrigerate for at least 2 hours before serving. This gives the cookies time to soften and the flavors to meld. -
Serve.
Scoop into bowls or slice into squares if using a flat dish. Serve chilled and enjoy the layers of creamy goodness.
To prevent browning, you can toss banana slices in a little lemon juice—but too much can affect flavor, so use sparingly.
Tips, Variations & Substitutions
Tips:
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Use ripe but firm bananas for the best texture.
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Chill for at least 2 hours—overnight is even better.
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Fold gently when combining whipped cream to keep the pudding fluffy.
Flavor Variations:
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Add a dash of cinnamon or nutmeg to the pudding for warmth.
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Use banana cream pudding instead of vanilla for extra banana flavor.
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Swirl in caramel sauce between layers for a richer taste.
Substitutions:
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Replace vanilla wafers with graham crackers or Biscoff cookies.
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Use dairy-free milk and coconut whipped topping for a vegan version.
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Skip condensed milk and use all whipped cream for a lighter result.
Add-ins:
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Layer in crushed toffee bits or chopped pecans for crunch.
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Top with shaved chocolate or drizzle of melted Nutella before serving.
This dessert is highly forgiving and easy to customize to your taste or dietary needs.
Serving Ideas & Occasions
Banana pudding is a favorite at summer cookouts, Easter brunches, and potlucks. It travels well, can be made ahead, and is perfect for feeding a crowd.
Serve it in:
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A trifle dish for layered presentation
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Individual cups for easy grab-and-go servings
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A casserole dish for casual family-style scooping
Pair it with:
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Iced coffee or cold brew
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Sweet tea or lemonade
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Fresh berries or a drizzle of chocolate sauce
Its creamy texture and cool temperature make it especially satisfying on warm days, but it’s just as welcome during the holidays when you need an easy, nostalgic dessert.
Nutritional & Health Notes
This dessert is rich, creamy, and indulgent, but it’s also portion-friendly. A small serving goes a long way in satisfying your sweet tooth.
Using whipped topping instead of heavy cream reduces the fat slightly. You can also opt for reduced-fat milk and lower-sugar pudding mixes to lighten it up.
Bananas add natural sweetness, potassium, and fiber, while the layers of cream offer fat and protein. Just keep in mind that this is a treat, best enjoyed in moderation.
It’s also a great dessert to make gluten-free—just swap the wafers for gluten-free vanilla cookies.
FAQs
1. Can I make banana pudding ahead of time?
Yes! It’s actually better after sitting for a few hours. Make it up to 24 hours in advance and store it covered in the fridge.
2. How do I keep bananas from browning?
Use fresh, firm bananas and slice them just before assembling. A light brush of lemon juice helps, but avoid too much to prevent altering the flavor.
3. Can I use homemade pudding instead of instant?
Absolutely. Homemade vanilla pudding will make this extra luxurious—just be sure it’s fully cooled before assembling.
4. How long does banana pudding last?
Stored in the refrigerator, it stays fresh for 3–4 days. After that, the bananas may become overly soft and dark.
5. Can I freeze banana pudding?
Freezing is not recommended. The texture of the pudding and bananas will suffer upon thawing.
6. What’s the best dish to serve it in?
A glass trifle bowl shows off the layers beautifully, but a 9×13 dish or individual cups work just as well.
7. Can I double the recipe?
Yes! Just use a larger dish or divide between two containers. It scales easily and is perfect for parties.
How to Make Easy Banana Pudding with Simple Ingredients
This easy banana pudding recipe layers vanilla wafers, fresh banana slices, and fluffy vanilla pudding for a cool, creamy Southern-style dessert you can make in 20 minutes.
- Prep Time: 20 minutes
- Cook Time: 20 minutes
- Total Time: 20 minutes (plus chilling)
- Yield: 10–12 servings 1x
Ingredients
1 (5.1 oz) box instant vanilla pudding mix
2¾ cups cold whole milk
½ cup sweetened condensed milk
1 tsp vanilla extract (optional)
8 oz whipped topping or 1 cup whipped cream
1 box vanilla wafers
3–4 ripe bananas, sliced
Instructions
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In a large bowl, whisk pudding mix with cold milk until thickened. Let sit 3–5 minutes.
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Stir in condensed milk and vanilla extract until smooth.
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Fold in whipped topping or whipped cream.
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Slice bananas into ¼-inch rounds.
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In a 9×13 dish or trifle bowl, layer wafers, banana slices, and pudding. Repeat layers.
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Top with remaining whipped topping and crushed wafers, if desired.
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Cover and refrigerate for at least 2 hours before serving.
Notes
Use thick, cold milk and firm bananas for best results. Let chill overnight for maximum flavor.