This No-Bake Banana Split Pie is a cool, creamy dessert made for warm days. A buttery graham cracker crust holds a glossy chocolate layer, a fluffy cream cheese and sweetened condensed milk filling studded with crushed pineapple, fresh banana slices, and a cloud of whipped topping. It delivers the classic banana-split flavor without baking and with very little effort.

This pie comes together in about 20 minutes of hands-on prep and then chills until set, making it ideal for summer parties, birthdays, barbecues, or any time you want an easy make-ahead dessert. If you enjoy no-bake treats, try the Easy Strawberry Jello Pie next.
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Shortcut Notes
- No-bake dessert: No oven required — the refrigerator sets the pie.
- Store-bought crust: A pre-made graham cracker crust keeps prep fast and simple.
- Make-ahead friendly: Prepare earlier in the day or the night before for stress-free serving.
Ingredient Breakdown

- Heavy whipping cream: Heated slightly to make a smooth chocolate ganache layer.
- Semi-sweet chocolate chips: Melted in the hot cream for a glossy chocolate base.
- Pre-made graham cracker crust: Keeps this recipe quick — use a store-bought crust or a homemade graham crust if you prefer.
- Cream cheese: Full-fat, softened cream cheese yields the creamiest filling.
- Sweetened condensed milk: Adds sweetness and helps create a silky filling.
- Crushed pineapple: Use crushed pineapple packed in juice, not heavy syrup. Drain very well so the filling sets correctly.
- Bananas: Choose ripe bananas that are yellow with a few brown spots for best sweetness and texture.
- Whipped topping: Thawed Cool Whip or stabilized whipped cream creates a light top layer.
- Optional toppings: Whipped cream, chopped pecans, chocolate syrup, and maraschino cherries make for a classic banana-split finish.
See the recipe for exact quantities and full details.
Instructions

Warm the heavy whipping cream in a small saucepan over medium-low heat or in the microwave until it steams and small bubbles form at the edges — do not boil. Pour the hot cream over the chocolate chips in a bowl and let it sit for 3–5 minutes, then whisk until smooth and glossy.

Pour the chocolate mixture into the graham cracker crust and spread into an even layer. Chill in the refrigerator or place briefly in the freezer for 10–15 minutes until the chocolate is slightly set.

While the chocolate cools, make the filling. In a large bowl, beat the softened cream cheese with the sweetened condensed milk and very well-drained crushed pineapple until the mixture is smooth and evenly combined.

Spread the cream cheese filling over the chocolate layer and smooth it out. Arrange banana slices evenly across the filling.

Spread the thawed whipped topping over the bananas, working it to the edges so the pie looks neat and finished.

Chill the pie for at least 3 hours, until fully set. Just before serving, decorate with additional whipped cream, chopped pecans, chocolate syrup, and maraschino cherries if desired.

Substitutions
- Graham cracker crust: Use an Oreo or chocolate cookie crust for a richer chocolate base, or make a homemade graham crust from crumbs and melted butter.
- Cool Whip: Replace with stabilized homemade whipped cream for a fresher flavor and slightly different texture.
- Semi-sweet chocolate chips: Swap for milk chocolate to make the filling sweeter or dark chocolate for a deeper chocolate flavor.
- Pecans: Any chopped nut works — walnuts or peanuts are good alternatives.
Behind the Recipe
Drain the pineapple thoroughly — excess liquid will prevent the filling from setting properly. Press the drained pineapple between paper towels or a clean kitchen towel before adding it to the filling.
For neat slices, dip a sharp knife in hot water, wipe it dry, and slice; repeat between cuts. Hold off on adding cherries and chocolate syrup until serving so the pie stays visually appealing.

Did you make this recipe? I’d love to hear how it turned out. Please leave a rating and review to help others and to let me know what you thought.
FAQ
Yes — it stores well in the refrigerator and can be made a day ahead. Add optional toppings just before serving for best appearance.
📖 Recipe

No Bake Banana Split Pie
Equipment
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Hand mixer
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Small saucepan
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Whisk
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Silicone spatula
Ingredients
- ⅓ cup heavy whipping cream
- ¾ cup semi-sweet chocolate chips
- 1 pre-made graham cracker crust
- 12 ounces cream cheese softened
- ½ cup sweetened condensed milk
- 1 (8-ounce) can crushed pineapple very well drained
- 1–2 bananas sliced into rounds
- 8 ounces whipped topping thawed
- Optional toppings: whipping cream, chopped pecans, chocolate syrup, maraschino cherries
Instructions
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Heat the heavy whipping cream until steaming with small bubbles around the edge; do not boil. Pour over chocolate chips, let sit 3–5 minutes, then whisk until smooth.
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Pour the chocolate mixture into the graham cracker crust and spread into an even layer. Chill 10–15 minutes until slightly set.
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Beat the cream cheese, sweetened condensed milk, and very well-drained crushed pineapple until smooth and creamy.
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Spoon the filling over the chilled chocolate layer and spread evenly. Top with banana slices.
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Spread the whipped topping over the bananas, smoothing to the edges.
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Refrigerate at least 3 hours. Before serving, garnish with whipped cream, chopped pecans, chocolate syrup, and maraschino cherries if desired.
Notes
Cutting tip: Dip a sharp knife in hot water and wipe it dry between cuts for cleaner slices.
Nutrition
More No-Bake Desserts
Looking for other no-bake ideas? Try these:
- Easy Strawberry Jello Pie
- No-Bake Banana Split Pie
- No Bake Berry Cheesecake Cups
- Easy No-Bake Pumpkin Pie Cups