
This simple banana split mixture takes the old-school ice cream favorite and turns it into a scoop-and-share treat that's great for big gatherings and family get-togethers. The smooth banana pudding base packed with fresh fruit, chocolate bits, and crunchy nuts brings back all those classic banana split flavors without any melting headaches.
I whipped this up for the first time at my kid's backyard swim party when we needed something cool and tasty that wouldn't turn to soup in the hot sun. The youngsters ate it all within minutes, and now everyone asks for it whenever we have family over.
Ingredients
- Instant banana pudding mix: Forms the smooth foundation and main banana taste
- Canned crushed pineapple with juice: Brings natural sweetness and helps the pudding firm up
- Cool Whip: Makes the airy, soft texture that everyone loves about this dessert
- Fresh bananas: Deliver real banana split flavor and tender bites
- Fresh strawberries: Mix in vibrant color and tangy fruit contrast
- Mini marshmallows: Add extra sweetness and soft, puffy texture
- Maraschino cherries: Bring that signature banana split look and sweet cherry taste
- Chocolate chips: Create little bursts of chocolate in every spoonful
- Chopped nuts: Give needed crunch against all the soft elements
- Whipped cream and sprinkles: Top it off with that ice cream shop flair
How To Make Banana Split Fluff
- Prepare the base:
- Mix the banana pudding powder with pineapple juice until it thickens up nicely. This starts your dessert off right, and the pineapple's natural tang boosts the banana taste while helping the pudding set better.
- Create the fluff:
- Gently fold in the softened Cool Whip until it's all mixed in. Don't stir too hard so you can keep all that fluffy goodness. This part makes that cloud-like texture that gives this treat its name.
- Add the mix-ins:
- Toss in banana slices, cut strawberries, mini marshmallows, drained cherries, chocolate chips, and nuts. Carefully fold everything together so all bits get coated with the banana pudding mix. Go easy to avoid crushing the fruit.
- Chill thoroughly:
- Let it sit in the fridge for 2-4 hours. This waiting time matters because it lets all flavors blend together while the dessert firms up. The marshmallows get slightly softer and the pudding reaches just the right thickness.
- Garnish and serve:
- Before bringing it out, add extra chocolate chips, nuts, cherries, some whipped cream, and colorful sprinkles on top. These final touches make it look amazing and remind you of fancy ice cream shop creations.

What I love most about this dish is how the pudding soaks into those little marshmallows, making tiny spots of sweet creaminess. My grandpa, who ran an ice cream shop for four decades, gave it two thumbs up, saying it captured the magic of his best-selling banana split without needing any freezers.
Make It Your Own
You can easily change up this banana split fluff based on what you like or have in your kitchen. If you're crazy about chocolate, try using chocolate pudding instead. Want a more island-style flavor? Throw in some coconut flakes. And for folks who enjoy different textures, crushed graham crackers or vanilla cookies make great mix-ins.
Storage Tips
Keep any leftover fluff in a sealed container in your fridge for up to 3 days. The bananas might turn a bit brown, but it'll still taste great. Don't try freezing this dessert because of the fresh fruit—it'll get watery when thawed.

Serving Suggestions
Show off this banana split fluff in see-through dishes so everyone can admire the pretty colors inside. For a fancy touch, put it in wine glasses or mason jars with long spoons. It tastes amazing with chocolate cookies on the side for dipping. Want something fun? Serve it in waffle bowls or ice cream cones to really nail that banana split feel.
Healthier Variations
Make a lighter version using sugar-free pudding, light Cool Whip, and more fresh fruit. You can swap in Greek yogurt for some or all of the Cool Whip to add protein. If you want more natural sweetness, skip the marshmallows and drizzle a bit of honey instead. These changes keep the yummy flavor while cutting down on sugar.
Frequently Asked Questions
- → Can fresh pineapple be used instead of canned?
Definitely! Swap it out with fresh pineapple, but you’ll need something like orange juice to replace the can juice for the right texture.
- → How long does the dessert stay fresh?
Keep it in the fridge, sealed tight, for up to three days. The bananas might darken a little, but it’ll still taste great.
- → Can I use homemade whipped cream instead of Cool Whip?
Sure thing! Go for homemade whipped cream, though it won’t hold as firm since Cool Whip has stabilizers.
- → Can I prepare it hours in advance?
Yes, you can mix it up and refrigerate it for around 4 hours. Just save the garnishes until it's ready to serve.
- → What’s a good nut-free topping alternative?
If skipping nuts, load up on extra chocolate chips, coconut flakes, or colorful sprinkles instead.
- → Is it possible to make this dessert without dairy?
Yep! Use non-dairy whipped topping and pudding mix. Just double-check every ingredient meets your dietary requirements.