You are going to love this southern banana pudding cake. Made from a doctored-up boxed cake mix and filled with banana pudding before being covered in a homemade whipped cream cheese frosting.

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If you're looking for the ultimate banana pudding cake recipe, this one is it. Made with minimal ingredients and effort, this cake looks almost too good to eat!
Make a fancy Southern Banana Pudding Cake for under $10 with this great recipe! This easy banana pudding cake is one of our favorites, and it's not hard to see why. Packed with so much flavor in every bite, this is a perfect cake for any occasion.
We love banana cakes like this Sour Cream Banana Pound Cake, but sometimes boxed cake mixes are ideal time savers! We use boxed cake mixes in a lot of our favorite cake recipes like Tres Leches Layered Cake and our Easy Rainbow Unicorn Cake Recipe.
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⭐⭐⭐⭐⭐ The Buzz From Readers
"I just made this cake today for my brothers bday. Everyone loved it. I added chopped up banana into the pudding before I layered the cake. I will definitely make this again. It was a hit!!!"
- Tori
💛 Why You'll Love This Recipe
- Minimal ingredients. From start to finish, you'll need less than a dozen ingredients to make this cake, including the frosting and the filling inside. That makes this boxed cake mix recipe almost as easy as our Patriotic Fireworks Bundt Cake.
- Perfect for any occasion. This cake can be great for summer, spring, and everything in between, like forest and monkey theme birthday parties or baby showers.
- It looks like more effort than it really is! It's always great when something takes minimal effort to pull together, but this recipe really takes the cake. It looks like it takes hours of manual labor, but it requires very little effort, and just a tad more patience.
🛒 Ingredients


Bananas - Use ripe bananas for sweetness. Slice additional bananas for garnish just before serving. If you still have bananas leftover, make sure to check out our Eggless Banana Bread and Peanut Butter Banana Mug Cake.
Banana instant pudding mix - Dry mix goes into the cake batter; a second box is prepared for the filling.
Heavy whipping cream - Helps create a fluffy whipped cream frosting.
Cream cheese - Adds thickness and a tangy balance to the sweet cake.
Nilla wafers (optional) - Great for decorating the outside and topping the cake.
See the recipe card below for full ingredients and instructions.
🔀 Substitutions & Variations
Cake Mix. Swap yellow cake mix for white or chocolate for a different flavor base. We also use box cake mixes as the base in our Easter Confetti Cake and Rainbow Heart Cake.
Pudding Mix. Banana pudding adds the strongest flavor, but vanilla works in a pinch.
Garnishes. Add caramel drizzle, extra Nilla wafers, or sliced bananas on top just before serving.
Alternative Frosting: Mix 1 box (3.4 oz) cheesecake pudding with 1 cup milk and let sit 5 minutes. In a separate bowl, whip 1 quart heavy cream to stiff peaks, then fold in the pudding mixture. This creates a thick, pipeable frosting that holds its shape well. Keep refrigerated. Any pudding flavor works, though lighter colors take food coloring best.
💰 Budget-Friendly Tips
Use store brands. Boxed cake mix, pudding mix, cream cheese, and heavy cream all have quality store-brand options at a lower cost.
Buy bananas on markdown. Overripe bananas are cheaper and sweeter, perfect for baking.
Skip optional toppings. Nilla wafers and caramel are optional, this cake is still delicious (and cheaper) without them.
🥄 Instructions for Southern Banana Pudding Cake
Step 1: Preheat your oven to 350 degrees F.
Step 2: Cut some parchment paper into circles that can fit at the bottom of your 8 inch cake pans. Spray cake pans with non-stick cooking spray and lay the parchment circles inside. Spray again with cooking spray and set aside.

Step 3: In a large mixing bowl, blend the bananas with an electric mixer until creamy (Image 1).
Step 4: Add in the cake mix, eggs, oil, dry pudding mix, and vanilla (Images 2&3).
Step 5: Stir until well mixed (Image 4). Do not overmix.

Step 6: Divide the batter between your prepared cake pans (Image 5).
Step 7: Bake in the oven at 350 degrees F for 25-30 minutes or until a toothpick can be inserted into the center and come out clean (Image 6).
Step 8: Once the cakes have finished baking allow them to cool in the cake pans for about 10 minutes before flipping over onto a cooling rack to finish cooling completely.
Step 9: Allow them to cool on the racks upside down and make sure to remove any parchment paper from the bottom of the cake.
Step 10: Once the cakes are completely cooled, flip them over onto a cutting board and level the tops with a large bread knife.
Prepare the frosting

Step 11: In a large mixing bowl, add the cream cheese and powdered sugar (Image 7).
Step 12: Cream together until just combined (Image 8). Do not overmix.
Step 13: In another large mixing bowl, add cold heavy cream and vanilla (Image 9).
Step 14: Beat until stiff peaks form (Image 10).

Step 15: Add the cream cheese mixture to the whipped cream (Image 11).
Step 16: Beat again until combined (Image 12). Do not overmix.
Prepare Filling
Step 17: Make one box of banana instant pudding according to the package directions.
Assembly
Step 18: Place one topless cake layer, on a cake board or large plate in front of you and leave the other off to the side.

Step 19: Place some frosting into a pastry bag or Ziploc baggie with a corner snipped off. Make a circle around the rim of the top of the cake.
Step 20: Spoon in your cold and chilled pudding. Spread it around so that it fills the circle and is pretty even-looking.

Step 21: Stack the two cakes on top of each other by placing one on top of the pudding topped one (Image 15).
Try to get them to stand as straight as you can. If needed, place everything into the fridge to chill for one hour so it holds up better. You can also freeze the cake at this point and chill the frosting until ready to use.
Step 22: When the cakes are stacked and sturdy, pipe the white frosting around the outside where the middles are and go around the cake with a flat leveler or surface (a clean wooden ruler works okay in a pinch) (Image 16).
Angle it slightly so you're pressing into the cake while removing excess frosting. This should fill in any gaps so the cake is level on the sides.
A first layer of frosting would be called a "crumb layer," and it is meant to be thin and to hold any loose crumbs in place. Let it chill at this point before adding another thicker layer of frosting if desired.

Step 23: Frost the entire cake with a nice thick layer of white frosting so that it is about ¼ inch thick and you can't see the cake poking through (Image 17).
Go over it again with your flat leveler as much as needed to get it to look as desired. Don't forget to level out the top.
Step 24: Press broken cookie crumbs around the outside of the cake to cover the sides (Image 18).
Step 25: Top the cake with sliced bananas and whole Nilla wafer cookies just before serving.
I added some leftover salted caramel from my Salted Caramel Banana Pancakes as an additional garnish.
Slice, serve, and enjoy!

👩🏻🍳 Expert Tips
Stabilize the cake. If the layers feel wobbly, insert 2-4 trimmed drinking straws into the center before frosting to help the cake stand straight.
Chill for easier frosting. A short chill (30-60 minutes) firms up the pudding layer and makes stacking and frosting much easier.
Add bananas last. Slice and add bananas right before serving to prevent browning. Brush lightly with lemon juice only if needed.
❄️ Storage
Fridge: Store the Southern Banana Pudding Cake in an airtight container or well-wrapped in plastic wrap for 3-4 days.
Freezer: Freeze slices (or the whole cake) for up to 3 months in an airtight container. Thaw overnight in the fridge. Note that cookies may soften and frosting may sweat slightly, best for leftovers rather than presentation.
🥗 Side Dishes or Pairing Ideas
This Southern Banana Pudding Cake pairs wonderfully with fresh berries, which help balance the rich banana flavor. A scoop of vanilla ice cream or a dollop of whipped cream also complements the cake nicely. If serving at a gathering, offer iced tea, coffee, or a light fruit salad to round out the dessert table.
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❓ Southern Banana Pudding Cake FAQs
Adding a box of pudding mix to a cake not only helps to strengthen the flavor but it also helps to add moisture to the cake so that it doesn't feel dry. This is thanks to the fats inside of the pudding mix.
I do not recommend keeping this cake out of the fridge for more than 1-2 hours at a time. If the weather is 80F+ one hour is recommended, whereas colder temperatures may let the cake sit out for up to 2 hours. The cream cheese frosting and filling will soften and slide off of the cake after sitting out for too long in the heat, not to mention the food safety risks from letting it sit out.
Cake sweating is a natural occurrence that happens as a result of the sugar. Sugar absorbs moisture and for a cake to go from a cold location to a warmer one (fridge to counter) or if it's placed in a humid room, you can expect some sweating/condensation. You can lightly dab at the cake with a paper towel or simply let the cake sit uncovered at room temperature for until the moisture evaporates.

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🐝 If you tried this Southern Banana Pudding Cake, please leave a ⭐️ star rating and share your buzz in the 💬 comments below. I'd truly appreciate it!
📖 Recipe
Southern Banana Pudding Cake
Equipment
Ingredients
Cake
- 4 ripe bananas - ($1.00)
- 1 box (15.25 ounces) yellow cake mix - ($1.00)
- 3 large eggs - ($0.45)
- ¼ cup vegetable oil - ($0.18)
- 1 box (3.4 ounces) banana instant pudding mix - ($0.83)
- 1 tablespoon vanilla extract - ($0.09)
Filling
- 1 box (3.4 ounces) banana instant pudding mix - ($0.83)
- 2 cups milk - ($0.40)
Frosting
- 1 block (8 ounces) cream cheese, softened - ($1.86)
- 1 cup powdered sugar - ($0.36)
- 1 pinch salt - ($0.02)
- 1 ¼ cups heavy whipping cream - ($2.23)
- 1 teaspoon vanilla extract - ($0.03)
Decorations
- Nilla Wafer cookies - ($0.42)
- ripe bananas, sliced - ($0.25)
Instructions
- Prep. Preheat the oven to 350°F. Line the bottoms of two 8 inch cake pans with parchment paper and spray with nonstick cooking spray.
- Make Batter. In a large bowl, beat the bananas until smooth. Add the cake mix, eggs, vegetable oil, dry pudding mix, and vanilla extract. Mix just until combined.
- Bake. Divide the batter evenly between the prepared pans. Bake for 25 to 30 minutes, or until a toothpick inserted in the center comes out clean. Cool in pans for 10 minutes, then turn out onto wire racks to cool completely. Remove parchment and level the cakes once cooled.
- Make Filling. Prepare the banana pudding according to package directions. Refrigerate until chilled.
- Make Frosting. Beat the cream cheese, powdered sugar, and salt just until combined. In a separate bowl, beat the heavy cream and vanilla extract until stiff peaks form. Gently beat the cream cheese mixture into the whipped cream just until smooth.
- Assemble. Place one cake layer on a serving surface. Pipe a frosting border around the edge and fill the center with chilled pudding, spreading evenly. Top with the second cake layer. Chill for 1 hour if needed for stability.
- Frost. Apply a thin crumb coat of frosting and chill if desired. Frost the cake with a thicker final layer, smoothing the sides and top.
- Decorate. Press crushed Nilla Wafers onto the sides. Top with sliced bananas and whole cookies just before serving.
- Serve. Slice and serve.
Notes
- Frosting Texture. Overmixing cream cheese can cause the frosting to loosen. Mix only until combined.
- Make Ahead. Cake layers can be baked and frozen ahead of time. Thaw before assembling.
- Storage. Store the assembled cake covered in the refrigerator for up to 3 days.
- Alternate Frosting. For a more stable option, mix 1 box cheesecake flavored instant pudding with 1 cup milk and let set. Beat with 1 quart whipped cream until combined. Keep refrigerated.
Nutritional Information
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Tori says
I just made this cake today for my brothers bday. Everyone loved it. I added chopped up banana into the pudding before I layered the cake. I will definitely make this again. It was a hit!!!
Kyle Boyd says
I am so going to make this cake....I'll send pics soon.