No-Bake Banana Pudding with Marshmallow Fluff (Easy & Creamy)

There’s something magical about a chilled spoonful of banana pudding that reminds me of carefree childhood summers.

Soft banana slices, fluffy whipped cream, sweet vanilla pudding, and a marshmallowy twist—this banana pudding with marshmallow fluff is pure comfort in a dish.

I first made it for a family picnic, and now it’s the one dessert everyone requests.

Let’s just say… it never makes it to leftovers.

Why You’ll Love This Recipe

Creamy layers – The combo of pudding, whipped cream, and fluff is ultra smooth.

Light yet indulgent – Sweetened condensed milk adds richness without heaviness.

Crowd-pleaser – Always the first dessert to disappear at any gathering.

No bake, no stress – Just mix, chill, and layer.

Customizable – Add crushed cookies or chocolate chips on top for extra flair.

What You’ll Need (Ingredient Highlights)

Sweetened condensed milk – Brings luscious sweetness and a silky texture.

Instant vanilla pudding mix – A shortcut to that nostalgic creamy flavor.

Heavy cream – Whips up into soft, dreamy clouds.

Marshmallow fluff – Adds a gentle sweetness and airy texture.

Bananas – Use barely ripe ones for structure and balance.

Nilla Wafers – Classic crunch that softens into cakey goodness.

Pro Tips Before You Start

Use ice-cold water to help the pudding set firmly.

Chill the pudding base at least 4 hours for the best texture.

Whip the cream to stiff peaks for maximum fluff.

Slice the bananas just before layering to avoid browning.

Want a pretty finish? Top with crushed wafers or banana coins.

How to Make Banana Pudding with Marshmallow Fluff

Step 1: Make the Pudding Base

In a large bowl, whisk sweetened condensed milk with cold water until smooth.

Add the vanilla pudding mix and whisk vigorously until lump-free.

Cover and chill in the fridge for 4 hours to fully set.

Step 2: Whip the Cream

In another large bowl, beat the heavy cream until soft peaks form.

Add the marshmallow fluff and continue whipping until stiff peaks develop.

Step 3: Combine the Mixtures

Gently fold the whipped cream into the pudding in batches.

Be careful not to deflate the cream—mix until just combined with minimal streaks.

Step 4: Layer the Dessert

In a 9×13-inch dish or trifle bowl, layer Nilla wafers along the bottom.

Add a layer of banana slices, then spread one-third of the pudding mixture on top.

Repeat for two more layers, ending with a final smooth layer of cream.

Step 5: Chill and Decorate

Sprinkle crushed Nilla wafers on top or decorate as desired.

Refrigerate for at least 4 more hours, or overnight for best results.

What to Serve It With

Serve chilled as a dessert after barbecue, fried chicken, or picnic spreads.

Pairs perfectly with cold milk or iced coffee.

Variations / Substitutions

Swap vanilla pudding for banana or cheesecake flavor.

Use graham crackers or shortbread instead of Nilla wafers.

Fold in mini chocolate chips or crushed toffee for crunch.

Add a layer of caramel drizzle between each tier.

Storage & Leftovers

Cover tightly and store in the refrigerator for up to 3 days.

Not freezer-friendly, as the bananas and whipped cream may separate.

Leftovers tend to get even creamier by day two—if they last that long!

FAQs

Can I make this banana pudding a day ahead?
Absolutely! It tastes even better after chilling overnight.

How do I prevent bananas from browning?
Use barely ripe bananas and layer them quickly.

A dash of lemon juice can help, but use sparingly.

Can I use homemade whipped cream?
Yes! Just make sure to whip it to stiff peaks for structure.

Can I skip the marshmallow fluff?
You can, but it adds a delightful sweetness and texture.

Swap with a bit of powdered sugar if needed.

How many servings does this make?
About 12 servings from a standard 9×13-inch pan.

Can I layer it in individual cups?
Definitely! Mason jars or dessert cups make for great single-serve options.

Do the wafers stay crunchy?
They soften into a cake-like texture, which is part of the charm!

Final Thoughts

This banana pudding with marshmallow fluff is more than a dessert—it’s a nostalgic hug in every bite.

Whether for a holiday table, potluck, or late-night sweet craving, it delivers pure joy with every creamy layer.