
This creamy banana pudding lush is the dessert I bring when I want smiles all around. It is built on a buttery vanilla wafer crust with a thick tangy cream cheese and banana pudding layer plus plenty of fresh banana slices on top. Several hours in the fridge turns it magically set and extra luscious making each spoonful smooth rich and full of classic banana joy. This is the kind of treat that disappears quickly at family parties and always has someone asking for the recipe.
I made this first for a big family reunion and the way people gathered around the dessert table told me I would be making it for every get-together from then on. That first bite with the creamy pudding and crunchy crust was unforgettable and now it is my secret for easy impressive desserts.
Ingredients
- Vanilla wafers: crushed to make a flavorful crisp base Choose a fresh package for the best crunch and buttery notes
- Cream cheese: softened to blend smoothly bringing a rich tangy balance Use full-fat for the ultimate creamy layer
- Instant banana pudding mix: adds classic banana flavor Opt for a trusted brand for best taste
- Milk: cold is essential for thickening your pudding quickly and evenly Use fresh milk for smooth results
- Ripe bananas: sliced fresh over the top offer natural sweetness and a pretty finish Pick yellow bananas without brown spots for clean flavor
- Butter: melted to hold the wafer crumbs together Choose unsalted for a balanced base
Step-by-Step Instructions
- Prepare the Crust:
- In a large mixing bowl stir together the crushed vanilla wafers and melted butter until every crumb is coated. Press the mixture very firmly and evenly into the base of a nine by thirteen inch baking dish making sure to cover every edge and create a solid base for the layers.
- Mix the Cream Cheese Layer:
- Take a clean bowl and whip the softened cream cheese until it is completely free of lumps and fluffy. Add in one package of banana pudding mix and two cups of cold milk. Continuously whisk this mixture until it thickens to a luxurious smooth spread.
- Layer It Up:
- Spread the cream cheese filling carefully over the prepared wafer crust using a spatula to reach the corners and create an even layer from edge to edge.
- Prepare the Banana Pudding:
- With another clean bowl whisk the second package of banana pudding mix and two cups of cold milk together rapidly until the pudding is thick and glossy. Gently pour this pudding over the cream cheese layer making sure to keep the creamy layers separate and defined.
- Top with Bananas:
- Arrange your freshly sliced bananas all across the pudding layer in an even pattern pressing slightly to anchor them in place. This gives visual appeal and juicy banana flavor with every bite.
- Chill:
- Cover the pan tightly with plastic wrap or a fitted lid and place it in the fridge for a minimum of three hours. Chilling is crucial as it allows all layers to set and the flavors to merge for that perfect silky texture.
- Serve and Enjoy:
- When you are ready to serve slice into generous portions and lift out carefully. For a special touch add whipped cream or another sprinkle of crushed wafers just before serving.

The cream cheese in this recipe is my favorite touch. It lifts the sweetness and brings a subtle tang that rounds out the banana flavor. Every holiday someone will remind me how this dessert makes them feel like a kid again gathered around the family table.
Storage Tips
Tightly cover leftovers and refrigerate. This pudding is at its best for up to three days. If the bananas begin to brown on top simply add a fresh layer before serving to keep it bright and beautiful. Serve cold straight from the fridge for maximum creaminess and structure.
Ingredient Substitutions
Vanilla pudding mix plus mashed ripe bananas make a good swap if you do not have banana pudding. Cream cheese can be substituted with plain Greek yogurt for a tangier version but expect a lighter and slightly silkier texture. For a dairy-free crust swap butter with coconut oil but keep in mind the subtle flavor change.
Serving Suggestions
Offer this dessert in a big baking dish at potlucks or for a fun spin serve individual scoops in cups lined with extra wafer crumbs. Whipped cream or a handful of toasted nuts can dress it up for celebrations. A cup of robust coffee on the side matches the creaminess perfectly.

Cultural Context
Banana pudding is a cherished Southern tradition seen everywhere at cookouts and Sunday gatherings. The use of vanilla wafers and chilled pudding is a classic that goes back generations while the cream cheese twist modernizes it just enough. Sharing banana pudding at the table means inviting people into a moment of comfort and simple pleasure.
Common Recipe Questions
- → What forms the base of this dessert?
A firm layer of crushed vanilla wafers mixed with melted butter creates a crunchy and flavorful crust as the foundation.
- → How is the creamy filling made?
The filling combines smooth cream cheese with instant banana pudding and cold milk for a luscious, thick layer.
- → What gives this treat its fruity flavor?
Freshly sliced ripe bananas crown the top, blending natural sweetness with the creamy layers beneath.
- → Why is chilling necessary?
Chilling the layers allows flavors to meld and the dessert to set, ensuring clean slices and a cohesive texture.
- → Are there any garnishing suggestions?
Whipped cream or additional crushed wafers can be sprinkled on top to enhance both presentation and texture.
- → How should leftovers be stored?
Store leftovers tightly covered in the refrigerator and consume within 3 days for best flavor and freshness.