
This banana pudding lush is a creamy, dreamy dessert that combines layers of banana goodness with an ultra-creamy filling. It has become a favorite for gatherings and special occasions because of its rich texture and irresistible flavor that everyone loves.
I first made this for a family reunion, and it quickly became the dish everyone requests. The combination of cream cheese and banana pudding is something I hadn’t seen before but now makes this dessert a household star.
Ingredients
- Vanilla wafers: crushed to form a crunchy, buttery crust; choose fresh wafers for the best texture
- Cream cheese: softened to ensure a smooth, creamy layer; full-fat gives the richest result
- Instant banana pudding mix: key to that classic banana pudding flavor; use your favorite brand
- Milk: cold milk to help the pudding mixtures thicken properly and achieve a smooth consistency
- Ripe bananas: sliced fresh to add natural sweetness and texture on top; select bananas without spots for a clean taste
- Butter: melted to bind the vanilla wafer crumbs into a firm crust; unsalted butter allows better control over flavor
Step-by-Step Instructions
- Prepare the Crust:
- In a mixing bowl, combine the crushed vanilla wafers with the melted butter. Stir well until the crumbs are fully coated and hold together when pressed. Press the mixture firmly into the bottom of a 9x13 inch baking dish, forming an even crust that will provide a crunchy base for the layers.
- Mix the Cream Cheese Layer:
- Using a separate bowl, beat the softened cream cheese until it is completely smooth and free of lumps. Add one box of instant banana pudding mix along with about 2 cups of cold milk. Whisk the mixture continuously until it thickens nicely into a creamy filling that will spread easily over the crust.
- Layer It Up:
- Spread the cream cheese mixture evenly over the prepared crust. Use a spatula to make a smooth, even layer which will serve as the base for the pudding on top.
- Prepare the Banana Pudding:
- In another clean bowl, whisk the remaining instant banana pudding mix with 2 cups of cold milk, mixing until the pudding thickens. Pour this layer carefully over the cream cheese spread to keep the layers distinct and neat.
- Top with Bananas:
- Arrange the banana slices evenly over the pudding layer. This adds a natural fruity sweetness and a lovely visual element to the dessert.
- Chill:
- Cover the dish tightly with plastic wrap or a lid and refrigerate for at least 3 hours. This chilling time allows all the flavors to meld together beautifully and helps the dessert set up perfectly.
- Serve and Enjoy:
- Once chilled, slice the pudding lush into portions and serve cold. For extra indulgence, top with whipped cream or sprinkle additional crushed vanilla wafers on top.

My favorite part of this recipe is the cream cheese layer which adds a tangy contrast to the sweet pudding and bananas. Making this for holiday dinners always sparks warm memories of family gathered around the table sharing stories and laughter.
Storage Tips
Store leftovers covered in the refrigerator and consume within 3 days for the best flavor and texture. The bananas on top may brown over time but the dessert remains tasty. If you want to avoid browning, add the bananas right before serving.
Ingredient Substitutions
You can swap out the instant banana pudding mix for vanilla pudding mix and stir in mashed bananas for a homemade approach. Greek yogurt can sometimes replace the cream cheese for a lighter version but the texture changes slightly. Butter can be exchanged for coconut oil if dairy-free is preferred.
Serving Suggestions
Serve this lush as a standalone dessert or pair it with a cup of strong coffee or tea. Add a dollop of whipped cream or a sprinkle of toasted nuts for extra texture and flavor contrast. It works wonderfully for potlucks and family dinners where ease and taste are equally important.
Cultural Context
Banana pudding is a classic American dessert, especially popular in Southern states, where it is often made with layers of vanilla wafers, banana slices, and creamy pudding. This version adds cream cheese for a richer twist, blending traditional comfort with a touch of indulgence. It’s a showcase of Southern hospitality in dessert form, comforting and crowd-pleasing in equal measure.
Recipe FAQs
- → What type of crust is used in this dessert?
A crust made from crushed vanilla wafers mixed with melted butter, pressed firmly into the dish for a crunchy base.
- → How does the cream cheese layer contribute to the texture?
The cream cheese provides a smooth, rich texture that balances the sweetness of the banana pudding layers.
- → Can ripe bananas be substituted with another fruit?
While ripe bananas add a fresh, creamy sweetness, similar soft fruits like mango or sliced peaches can be experimented with for variation.
- → Why is refrigeration important for this dessert?
Chilling allows the layers to set firmly and the flavors to meld, enhancing the creamy texture and overall harmony.
- → Is there an optional garnish to enhance the presentation?
Whipped cream or additional crushed vanilla wafer crumbs can be added on top to enhance both looks and texture.