
This heavenly banana walnut cream cake combines the natural sweetness of ripe bananas, the satisfying crunch of walnuts, and velvety custard to create a dessert that truly lives up to its name. The moist banana cake layers studded with white chocolate chips and walnuts provide the perfect foundation for the rich, creamy custard topping, making every bite a perfect balance of textures and flavors.
I first made this cake for my sister's birthday gathering when I had several overripe bananas threatening to go to waste. The entire cake disappeared before dinner was even served, and now it's requested at nearly every family celebration.
Essentials Ingredients
- All purpose flour: Provides the perfect structure for this moist cake
- Baking soda: Ensures a proper rise and light texture
- Salt: Balances the sweetness and enhances all flavors
- Unsalted butter: Adds richness; use room temperature for best results
- Granulated sugar: Sweetens without overpowering the banana flavor
- Large eggs: Bind everything together and add moisture
- Vanilla extract: Enhances the banana flavor; choose pure extract for best results
- Sour cream: Adds incredible moisture and tenderness to the cake
- Ripe bananas: With brown spots offer the most flavor and natural sweetness
- Walnuts: Provide essential crunch and nutty flavor; toast them lightly first for extra flavor
- White chocolate chips: Add sweet creamy pockets throughout the cake
- Creamy custard: Creates a luxurious topping; homemade elevates this cake to new heights
- Fresh banana slices: For garnish; choose slightly firm bananas for garnish
Step-by-Step Instructions
- Preheat the Oven:
- Heat your oven to 350°F. This moderate temperature allows the cake to rise properly while developing a golden exterior. Thoroughly grease and flour two 8-inch round cake pans, ensuring you get into all corners to prevent sticking.
- Mix Dry Ingredients:
- Whisk together the flour, baking soda, and salt in a medium bowl. This even distribution of leavening agents and salt ensures consistent texture and flavor throughout the cake. Whisking also aerates the flour slightly for a lighter cake.
- Cream Butter and Sugar:
- In a large mixing bowl, beat the softened butter and sugar together for a full 2-3 minutes until the mixture becomes notably lighter in both color and texture. This crucial step incorporates air into the batter for a fluffy cake. The mixture should feel almost pillowy when properly creamed.
- Add Eggs and Vanilla:
- Incorporate eggs one at a time, beating well after each addition. This prevents the batter from curdling and ensures each egg is fully integrated into the creamy mixture. Add vanilla extract and mix until just combined to avoid overmixing.
- Add Sour Cream and Bananas:
- Fold in the sour cream and mashed bananas with gentle strokes. The sour cream adds incredible moisture while the bananas provide natural sweetness and that distinctive banana flavor. Ensure bananas are thoroughly mashed but still have some texture for the best flavor distribution.
- Combine Wet and Dry Ingredients:
- Add the dry ingredients to the wet mixture in three portions, mixing gently between additions until just combined. Stop mixing as soon as the flour disappears to prevent developing gluten which would make the cake tough. The batter should look slightly lumpy but well mixed.
- Fold in Walnuts and White Chocolate Chips:
- Using a rubber spatula, gently fold in the chopped walnuts and white chocolate chips with just a few strokes. This adds texture and flavor throughout the cake without deflating the air you've worked to incorporate. The chips will melt slightly during baking, creating pockets of creamy sweetness.
- Bake the Cake:
- Divide batter evenly between prepared pans, smoothing the tops with a spatula. Bake for 30-35 minutes until the edges pull away slightly from the pan and a toothpick inserted in the center comes out clean or with a few moist crumbs. Allow to cool in pans for exactly 10 minutes before transferring to a wire rack.
- Assemble the Cake:
- Once completely cooled, place one cake layer on a serving plate. Spread half the custard in an even layer, leaving a 1/2 inch border to prevent overflow. Carefully position the second cake layer on top, then spread remaining custard over the top in decorative swirls.
- Garnish and Serve:
- Arrange fresh banana slices and walnut halves in an attractive pattern on top of the custard. For the most beautiful presentation, dip banana slices in lemon juice first to prevent browning. Refrigerate until ready to serve for clean slices.

The secret star of this recipe is actually the sour cream. While everyone notices the banana flavor first, it's the sour cream that gives this cake its incredible moisture and tender crumb. My grandmother always said a good banana cake should melt in your mouth, and the sour cream ensures that happens every time I make this family favorite.
Make-Ahead Options
This cake works beautifully as a make-ahead dessert. The cake layers can be baked up to two days in advance and stored tightly wrapped at room temperature. You can even freeze the unfrosted cake layers for up to three months. Just wrap them individually in plastic wrap and then aluminum foil. Thaw at room temperature before assembling with the custard. The complete cake with custard topping can be assembled up to 24 hours before serving if kept refrigerated.
Perfect Pairing Suggestions
This banana walnut cream cake pairs wonderfully with hot beverages. A cup of French press coffee highlights the walnut flavors, while chai tea complements the sweet banana notes. For an indulgent dessert experience, serve slices with a small glass of bourbon or rum, which echoes the vanilla notes in the cake. For family gatherings, consider offering a scoop of vanilla ice cream alongside each slice for an extra special treat.
Troubleshooting Tips
If your cake sinks in the middle, it may have been underbaked or the oven door was opened too early in the baking process. Always check for doneness with a toothpick and avoid opening the oven during the first 25 minutes of baking. If your custard seems too runny, refrigerate it longer before assembly or add an extra tablespoon of cornstarch during preparation. For brown banana slices on top, brush them with a little lemon juice before placing them on the cake to prevent oxidation.

Frequently Asked Questions
- → How do I ensure the cake stays moist?
To keep the cake moist, make sure not to overmix the batter and use ripe bananas, which add natural moisture. Properly covering and refrigerating the cake after assembly will also help maintain its texture.
- → Can I replace sour cream in the recipe?
Yes, you can substitute sour cream with Greek yogurt, as it provides a similar tangy flavor and richness.
- → What is the best way to store this cake?
Store the cake in an airtight container in the refrigerator for up to three days to keep it fresh. Ensure the custard and garnishes are well covered to prevent drying out.
- → Can I use store-bought custard instead of homemade?
Absolutely! Store-bought custard works perfectly for this recipe and saves time. Just ensure it’s thick and creamy for the best texture.
- → What’s a good substitute for walnuts?
You can use pecans, almonds, or hazelnuts as substitutes for walnuts. Alternatively, omit the nuts entirely if you prefer a nut-free version.