
This caramel banana pudding dessert transforms classic banana pudding into an elegant treat that's perfect for dinner parties or satisfying sweet cravings at home. The combination of creamy pudding, fresh bananas, and rich caramel creates irresistible layers of flavor and texture in every spoonful.
I first made these pudding cups for my sister's birthday when she requested something "like banana pudding but fancier." The caramel addition was a spontaneous decision that transformed them into our family's most requested dessert for every celebration.
Ingredients
- Cold milk provides the essential base for instant pudding. Use whole milk for the richest flavor and creamiest texture.
- Vanilla instant pudding mix creates the quick foundation. The instant variety works perfectly here as it sets without cooking.
- Heavy whipping cream with at least 36% fat content whips to perfect peaks and gives the dessert its luxurious mouthfeel.
- Powdered sugar dissolves seamlessly into whipped cream without graininess. The small amount perfectly balances sweetness.
- Vanilla extract enhances both the pudding and cream layers. Pure extract rather than imitation makes a noticeable difference.
- Ripe bananas with small brown spots offer the perfect sweetness and texture. Avoid overripe or underripe fruit.
- Vanilla wafers provide the classic crisp to soft textural element. Nilla Wafers are traditional but any quality vanilla cookie works wonderfully.
- Caramel sauce creates the signature flavor. Store bought works great but homemade elevates it further if you have time.
How To Make Caramel Banana Pudding Cups
- Prepare the pudding base
- Whisk cold milk and vanilla pudding mix vigorously for a full two minutes until it thickens noticeably. This thorough mixing ensures no powder lumps remain. The mixture should coat the back of a spoon when ready. Refrigerate it briefly to achieve the perfect consistency before folding with whipped cream.
- Whip the cream
- Beat heavy cream, powdered sugar and vanilla with an electric mixer starting on low speed then increasing to medium high. Watch carefully and stop when soft peaks form when you lift the beaters. The cream should hold its shape but still have a slight droop at the tip. Overbeating will create butter particles.
- Create the pudding mixture
- Fold the set pudding into the whipped cream using a large rubber spatula with a gentle hand. Use a figure eight motion cutting through the center and sweeping around the edges. This technique preserves the air in the whipped cream resulting in a light airy texture.
- Prepare fruit and components
- Slice bananas immediately before assembly to prevent browning. Make slices approximately 6mm thick to ensure they soften properly when layered. Crush some vanilla wafers for the topping by placing them in a sealed bag and gently breaking with a rolling pin.
- Layer with precision
- Start with wafers at the bottom followed by a drizzle of caramel. Add banana slices slightly overlapping for complete coverage. Spoon pudding mixture carefully over bananas. Continue building layers maintaining clean edges in clear glasses for visual appeal. The number of layers will depend on your serving cup size.
- Finish and chill
- Top the final pudding layer with crushed wafer crumbs and an artistic drizzle of caramel sauce. Refrigerate for at least two hours but ideally four hours to allow the wafers to soften slightly and flavors to meld completely.
The caramel sauce is truly what transforms this from ordinary to extraordinary. My grandmother always said good caramel should have that slight bitter edge to balance the sweetness. I remember watching her make caramel from scratch, carefully swirling the sugar until it turned amber. While store bought saves time, that memory inspires me to occasionally make my own.
Prevent Banana Browning
Bananas naturally oxidize and turn brown when exposed to air. Slice them just before assembly to minimize discoloration. For make ahead preparation, consider dipping banana slices in a mixture of one part lemon juice to three parts water to prevent browning without affecting flavor. Pat them dry gently before layering to prevent excess moisture in your dessert.
Make It Your Own
This recipe welcomes creative variations while maintaining its charm. Try dark chocolate shavings between layers for a chocolate caramel combination. Replace vanilla wafers with gingersnaps during fall months for warming spice notes. Add a tablespoon of bourbon to the caramel sauce for sophisticated adult versions. The basic structure remains successful with numerous flavor adaptations.

Serving Suggestions
These pudding cups shine on their own but can be elevated further with thoughtful presentation. Serve in clear glass containers to showcase the beautiful layers. Add a fresh banana slice and vanilla wafer as garnish just before serving. For dinner parties, prepare in small dessert glasses on a decorative tray with small spoons. The individual portions eliminate the need for cutting and serving at the table.
Storage Tips
These pudding cups maintain quality in the refrigerator for up to three days though the bananas may continue to soften over time. Cover each cup with plastic wrap pressed directly onto the surface to prevent a skin from forming on the pudding. Freezing is not recommended as the texture of both bananas and pudding deteriorates significantly upon thawing.

Recipe FAQs
- → Can I make these pudding cups ahead of time?
Yes! These cups can be prepared up to 24 hours in advance. For best results, complete all layers but save the final garnish of crushed wafers and caramel drizzle until just before serving to maintain texture contrast.
- → How can I prevent the bananas from browning?
Slice the bananas just before assembling the cups. Alternatively, you can lightly toss fresh banana slices in a teaspoon of lemon juice before adding them to the layers, which helps prevent browning without adding noticeable flavor.
- → Can I use homemade caramel sauce instead of store-bought?
Absolutely! Homemade caramel sauce works wonderfully and adds a more complex flavor. Just ensure it's cooled to room temperature before layering it into the cups.
- → What can I substitute for vanilla wafers?
Graham crackers, shortbread cookies, or butter cookies make excellent substitutes. Each will bring a slightly different texture and flavor profile but will work well with the other ingredients.
- → How long do these pudding cups stay fresh?
These cups are best enjoyed within 2-3 days of preparation. The texture is optimal after chilling for at least 2 hours and up to 24 hours. After that, the wafers may become too soft and the bananas may start to break down.
- → Can I make this dessert in a large trifle dish instead of individual cups?
Yes! This dessert works beautifully as a trifle. Use the same layering technique in a large trifle dish, and allow for slightly longer chilling time (3-4 hours minimum) to ensure the flavors properly meld together.