Kirbie's Cravings

3 Ingredient Healthy Chocolate Chip Oatmeal Cookies (No Flour, Eggs, or Oil)

These healthy chocolate chip oatmeal cookies are soft, chewy and sweet. The cookies are made with just 3 ingredients and do not contain any flour, eggs or oil. The dough takes less than 10 minutes to prepare and the cookies are a great snack or dessert.
a stack of oatmeal cookies.

I love how easy these cookies are and how good they taste with just a few ingredients. You don’t even need a mixer or any special equipment to make these cookies. My whole family enjoys these cookies.


  • Bananas
  • Rolled Oats
  • Chocolate Chips

Bananas: This recipe uses ripe mashed bananas. You will need about 2 large bananas. The bananas act as a natural sweetener and binder.

Rolled Oats: This recipe uses regular rolled oats, also known as old-fashioned oats. You do not need to cook them before using them. The rolled oats give these oatmeal cookies a wonderful chewy texture. You can use quick oats as well, though the texture is less chewy.

Chocolate Chips: I used semi-sweet chocolate chips but any kind of chocolate chips will work. You can also substitute chocolate chips with raisins or other dried fruit.
overhead shot of a the cookies.

Cookie Texture

These cookies do not taste like classic oatmeal cookies but they are delicious. They are chewy and soft. They taste almost like banana bread mixed with chewy oats.

These cookies are inspired by my 2 Ingredient Banana Oatmeal Cookies. I played around the measurements. The original cookie is made with a lot of oats and needed quick oats. This version uses rolled oats and more bananas. These cookies are more moist and sweet.
a stack of five oatmeal cookies.

More Easy Healthy Cookie Recipes

3 Ingredient Chocolate Chip Oatmeal Cookies

Servings: 16 cookies
Prep Time: 10 minutes
Cook Time: 18 minutes
Total Time: 28 minutes
Course: Snack
Cuisine: American
These healthy oatmeal chocolate chip cookies are soft, chewy and sweet. They are just 3 ingredients and don't contain any flour, eggs or oil.
5 from 13 votes


  • 1 cup (232 g) mashed bananas approximately 2 large very ripe bananas
  • 1 1/4 cups (106 g) rolled oats
  • 1/2 cup (80 g) semi-sweet chocolate chips


  • Preheat oven to 350°F (177°C). Line a large baking sheet with parchment paper or silicone baking mat.
  • Add bananas and oats to a large bowl. Stir with a spatula until evenly mixed and all oats are coated in the mashed banana mixture.
  • Stir in chocolate chips until evenly distributed. The dough will be very wet and loose. This is normal.
  • Use a 1.5 tbsp cookie scoop to scoop out cookie dough. Release cookie dough onto prepared baking sheet, spacing the dough balls about 1.5 inches apart. Use the palm of your hand to press down on each cookie dough ball so that it forms a thick round disk. You may need to shape the sides of the cookie with your hands. Cookies will not spread during baking so you want to shape the cookies to how you want the final product to be.
  • Bake cookies for about 16-18 minutes. Let cookies cool on baking sheet. Once cookies are cooled, remove cookies using a thin cookie spatula. Store uneaten cookies at room temperature for 1-2 days and longer in the fridge or freezer.


  • 1 cup of mashed bananas is approximately 2 large bananas but I do recommend you weigh or measure out the bananas just to be sure because bananas can vary so much in size. This recipe works best with overripe or very ripe bananas. 
  • Make sure to mash your bananas before using. You want to try your best to mash out most of the large lumps. I like using a whisk or potato masher. 
  • If you prefer a less chewy oat texture, you can substitute with 1 cup of quick oats.


Serving: 1cookie, Calories: 60kcal, Carbohydrates: 11g, Protein: 1g, Fat: 2g, Saturated Fat: 1g, Sodium: 1mg, Potassium: 52mg, Fiber: 1g, Sugar: 4g, NET CARBS: 10g

The nutrition information provided are only estimates based on an online nutritional calculator. I am not a certified nutritionist. Please consult a professional nutritionist or doctor for accurate information and any dietary restrictions and concerns you may have.

Did you make this recipe?I'd love to see it! Mention @KirbieCravings and tag #kirbiecravings!

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61 comments on “3 Ingredient Healthy Chocolate Chip Oatmeal Cookies (No Flour, Eggs, or Oil)”

  1. Hello ,
    Could I make the oat chocolate chip cookies keto by using almond flour?
    Thank you

  2. Great, was looking for oat based recipe to replace granola store maded granola bars. Can’t wait to bake oats/ raisins cookies, all my favorite ingredients. Thanx

  3. I thought these would taste like banana bread (not a big fan of that) but they didn’t! I added a dash of salt and a pinch of cinnamon, thinking it would tone down the banana flavor and semi-sweet mini choc chips because I had them on hand. Next batch will be just as you wrote it to see how I like that. These are yummy! Thank you for the recipe!

  4. Ok, I’m trying these. I will let you know how they turn out.

  5. Hi Kirbie,
    Am wondering if the recipe is enough to make thick protein bars in a 9 x 13 sheet pan or might it need to be doubled? I wonder if the baking time might be longer? Have you ever made them into bars instead of cookies? Love the peanut butter idea or possibly a little cinnamon with oatmeal, bananas & raisins. Could be a healthy breakfast or snack bar. So many ways to play with your basic recipe. LOVE THE IDEA, WILL DEFINITELY TRY THEM. Thks for sharing this recipe.

    • We haven’t tried a sheet pan but there probably isn’t enough dough. Without trying it we can’t say how you will need to adjust the baking time, either. Let us know if you try your ideas!

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