Looking for a creamy, lightly sweetened and banana-forward dessert that brings all the richness of classic banana pudding—without sugar, flour, or unnecessary carbs? This Keto Banana Pudding Fluff is exactly what you need. With its soft texture, rich mascarpone finish, and signature banana flavor, this low-carb version delivers all the comfort of your favorite Southern-style treat—in a keto-approved, gluten-free, and dairy-rich format.
Perfect for meal prep , post-workout recovery , or when you’re craving something sweet but staying in ketosis, this easy-to-make fluff uses simple ingredients like full-fat cottage cheese, almond flour cookies, and mashed banana to bring bold bakery-style flavor into your kitchen. Whether you’re doing strict ketosis , following a low-carb lifestyle , or simply love creamy desserts with depth and richness, this banana pudding fluff will quickly become a go-to treat in your weekly rotation.
In this article, we’ll walk you through how to make this perfect keto banana pudding fluff from scratch , explore ingredient substitutions, offer serving ideas, and answer your most common questions. Let’s dive into the world of soft, spoonable, fruit-infused bliss!
Why You’ll Love This Keto Banana Pudding Fluff
This isn’t just any old yogurt bowl—it’s a sweet-banana, melt-in-your-mouth delight made with real ingredients that bring bold texture and taste together beautifully—in under 10 minutes!
Here’s why it stands out:
- 🍌 Bold banana flavor : Made with real mashed banana for natural sweetness and creaminess.
- 🧀 Creamy cheese base : Uses mascarpone or cream cheese for richness and satiety.
- 🥣 Easy to make : Just blend everything until smooth—no cooking required!
- 🍯 Naturally sweetened : Uses powdered erythritol or monk fruit for clean finish.
- ⏱️ Ready in under 10 minutes
- 🧁 Great for batch prep or freezer storage
- 🧼 Minimal cleanup : One blender = zero mess!
Whether you’re making it for yourself after a workout, packing for lunch, or sharing at a weekend gathering, this mousse will quickly become a go-to side dish or condiment.
Ingredients You’ll Need
For the Fluff:
- 2 cups full-fat cottage cheese or Greek yogurt
- 8 oz mascarpone cheese or softened cream cheese
- 1/4 cup heavy cream or unsweetened almond milk
- 1/4 cup powdered erythritol or monk fruit sweetener
- 1 tsp vanilla extract
- Pinch of salt
- 1 ripe banana (or 2 tbsp mashed banana for keto-friendly option)
Optional: Fresh mint leaves or edible flowers for garnish
For Serving (Optional):
- Whipped cream or coconut whipped cream
- Crushed pecans or walnuts
- Sugar-free chocolate shavings
- A few drops of banana stevia drops for extra punch
Tip: Layer with crushed keto vanilla wafers or almond flour biscuits for banana pudding effect.
Step-by-Step Instructions
Step 1: Blend the Cottage Cheese Base
In a high-speed blender or food processor, combine:
- Cottage cheese or Greek yogurt
- Mascarpone or cream cheese
- Heavy cream or almond milk
- Powdered sweetener
- Vanilla extract
- Salt
Blend on high speed until completely smooth and slightly thickened.
Pro Tip: Scrape down the sides as needed to ensure even blending.
Step 2: Add Banana for Flavor and Chill
Add mashed banana or banana puree to the mixture.
Blend briefly until just incorporated—don’t over-blend if you want a bit of banana texture.
Pour the mousse into parfait cups, glasses, or a single serving bowl.
Refrigerate for at least 30 minutes , or overnight for best flavor development.
The longer it rests, the richer and more luxurious it becomes.
Step 3: Layer with Crunch (Optional)
To mimic traditional banana pudding:
- Crush keto vanilla wafers, almond flour cookies, or coconut flour crackers into small pieces.
- Layer between fluff for a trifle-style treat.
Step 4: Serve and Enjoy!
Before serving, top with:
- A dollop of whipped cream
- Crushed nuts or cacao nibs
- A sprinkle of cinnamon or cocoa powder
- Fresh berries or mint leaves
Enjoy chilled with a spoon or layered over keto granola.
Savor every smooth, banana-scented bite of your Keto Banana Pudding Fluff !
Nutritional Information (Per Serving – Makes 4 Servings)
| Nutrient | Amount |
|---|---|
| Calories | ~160 kcal |
| Total Fat | ~9 g |
| Saturated Fat | ~4 g |
| Cholesterol | ~30 mg |
| Sodium | ~250 mg |
| Total Carbs | ~7 g |
| Dietary Fiber | ~1 g |
| Net Carbs | ~6 g |
| Protein | ~12 g |
Note: Values may vary based on exact measurements and optional add-ins.
Tips for the Best Banana Pudding Fluff
- Use room temperature dairy – Ensures smooth blending without lumps.
- Don’t skip resting time – The flavors develop beautifully after chilling.
- Add moisture as needed – A splash of cream or water helps achieve desired consistency.
- Make ahead and store – Keeps best refrigerated in an airtight container.
- Double the batch for meal prep – Great for breakfasts or snacks throughout the week.
Variations & Customizations
Want to switch things up? Try these tasty variations:
Chocolate Banana Mousse
Mix in 1 tbsp cocoa powder or drizzle with melted dark chocolate.
Lemon Banana Twist
Replace vanilla with lemon zest and juice for refreshing contrast.
No-Bake Energy Bites
Chill the mixture in the freezer and roll into balls for grab-and-go snacks.
Vegan Option
Use blended tofu or cashew-based cottage cheese alternative and plant-based sweeteners.
Spiced Version
Fold in pumpkin pie spice or nutmeg for warm seasonal flavor.
Frequently Asked Questions (FAQ)
Is this truly keto-friendly?
Yes! With only ~6g net carbs per serving , it fits perfectly within a ketogenic lifestyle.
Can I use regular bananas or sugar?
Not recommended—standard bananas are high in carbs. Use mashed banana sparingly or opt for banana extract instead.
How do I store leftover fluff?
Store cooled portions in an airtight container in the fridge for up to 4 days . Stir before serving if separation occurs.
What kind of banana works best?
Use smaller bananas for lower carb impact , or opt for banana extract for a more concentrated flavor.
Can I freeze this fluff?
Not recommended—dairy can separate when frozen. Best kept chilled.
Why This Recipe Works So Well
This Keto Banana Pudding Fluff works because of its perfect balance of textures and bold flavors:
- The cottage cheese gives a soft, tangy base , boosting protein content and texture.
- The banana adds signature freshness and acidity , balancing the richness naturally.
- And the powdered sweetener blends in seamlessly , giving a classic sugary finish without the crash.
It’s the kind of snack that makes eating clean feel indulgent—because it tastes so good.
Serving Suggestions
Looking for creative ways to serve your banana pudding fluff beyond just a bowl? Here are some ideas:
In Mason Jars
Layer with chia pudding, Greek yogurt, or berry compote for parfait-style treats.
At a Brunch
Serve chilled alongside scrambled eggs, bacon, and bulletproof coffee for a balanced morning.
With Berries
Top with strawberries, raspberries, blackberries, or kiwi for tart-sweet contrast.
On Toast
Spread onto low-carb bread, toasted almond flour muffins, or fathead dough slices.
As a Dip
Serve with keto crackers, apple slices, or celery sticks for dipping.
Health Benefits of Key Ingredients
Let’s take a quick look at the health benefits of what makes this dish special:
Cottage Cheese
High in casein protein—supports muscle repair and long-lasting satiety.
Banana (Small Portions)
Rich in potassium and vitamin C—great for heart function and digestion.
Erythritol / Monk Fruit
Natural sweeteners with minimal impact on blood sugar levels.
Even though this is a dessert, it’s packed with nutrients that make it more than just a treat—it’s a smart addition to your balanced lifestyle when enjoyed mindfully.
Final Thoughts: A Must-Try Treat for Comfort Dessert Lovers
This Keto Banana Pudding Fluff proves that going low-carb doesn’t mean missing out on bold, comforting desserts. With its silky texture, rich banana notes, and tangy dairy finish, it’s the kind of snack that turns a simple mousse into something magical—even without sugar or flour.
Whether you’re new to keto, looking for a refreshing post-workout idea, or want to impress with homemade flair, this fluff deserves a spot in your kitchen. It’s easy to make, customizable, and loved by kids and adults alike.
So go ahead—whip up a batch, share it with friends, or savor it solo. Either way, you’re treating yourself to something worth celebrating.
Print
Keto Banana Pudding Fluff – Creamy, Sweet & Perfectly Low-Carb!
- Total Time: 30 mins
Description
This delightful dessert combines creamy banana pudding, fresh bananas, and crunchy wafers.
Ingredients
5.1 oz instant banana cream pudding mix 1 ¾ cups cold milk 8 oz cream cheese, softened 8 oz frozen whipped topping, thawed 3-4 medium bananas, sliced 3 cups mini vanilla wafers 2 cups mini marshmallows
Instructions
1. In a medium mixing bowl, add the instant banana cream pudding powder and cold milk.
2. Blend with an electric hand mixer on medium-low speed until it begins to thicken.
3. In a separate large mixing bowl, add the softened cream cheese and beat on medium speed until smooth, scraping down the sides of the bowl as needed.
4. Add the pudding mixture into the fluffy cream cheese and blend until combined.
5. Add the whipped topping and gently stir with a spatula until completely combined.
6. Add in the sliced bananas, mini vanilla wafers, and mini marshmallows, gently stirring until fully coated.
7. For a crunchy texture, serve immediately topped with extra banana slices and wafers. For softer wafers, refrigerate for 30 minutes before serving.
- Prep Time: 15 mins
- Cook Time: 0 min
Nutrition
- Serving Size: 14
- Calories: 279
- Fat: 10g
- Carbohydrates: 44g
- Protein: 4g