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Have you ever wondered how to transform ordinary bananas into an elegant dessert that will leave your guests speechless? The secret lies in the velvety smooth texture and delicate flavor profile of a perfectly crafted banana panna cotta.
This luxurious Italian banana dessert combines the creamy richness of traditional panna cotta with the sweet tropical notes of ripe bananas. Topped with a warm rum sauce, it creates a dessert experience that’s both sophisticated and comforting.
Whether you’re hosting a dinner party or simply treating yourself to something special, this banana panna cotta recipe strikes the perfect balance between impressive presentation and surprisingly simple preparation.
Ingredients List

For the Banana Panna Cotta:
- 2 cups heavy cream
- 1 cup whole milk
- ½ cup granulated sugar
- 2 ripe bananas, mashed (about 1 cup)
- 1 tablespoon pure vanilla extract
- 2½ teaspoons unflavored gelatin powder
- 3 tablespoons cold water
- ¼ teaspoon salt
For the Rum Sauce:
- ½ cup unsalted butter
- 1 cup brown sugar, packed
- ½ cup heavy cream
- 3 tablespoons dark rum (can substitute with 1 tablespoon rum extract for non-alcoholic version)
- ¼ teaspoon cinnamon
- Pinch of salt
Substitution options: For a lighter version, replace heavy cream with half-and-half or coconut cream. Greek yogurt can replace some of the milk for a tangier flavor profile. For a non-dairy alternative, use coconut cream and almond milk.
Timing
Preparation time: 25 minutes
Cooking time: 15 minutes
Chilling time: At least 4 hours or overnight
Total time: 4 hours 40 minutes (active time only 40 minutes)
The hands-on preparation is surprisingly quick at just 40 minutes, which is 30% less active cooking time than most restaurant-quality desserts. The remaining time is simply waiting for the panna cotta to set, giving you freedom to prepare the rest of your meal.
Step-by-Step Instructions

Step 1: Prepare the Gelatin
Pour the cold water into a small bowl and sprinkle the gelatin evenly over the surface. Allow it to sit undisturbed for 5-10 minutes until it becomes spongy and absorbs all the water. This process, called blooming, ensures your banana panna cotta will have the perfect consistency.
Step 2: Prepare the Banana Mixture
In a blender or food processor, combine the mashed bananas with ½ cup of the heavy cream until completely smooth. Strain the mixture through a fine-mesh sieve to remove any fibrous bits. This extra step ensures your panna cotta will have that signature silky texture without any banana chunks.
Step 3: Heat the Cream Mixture
In a medium saucepan, combine the remaining heavy cream, milk, sugar, and salt. Heat over medium-low heat, stirring occasionally until the sugar completely dissolves. Do not allow the mixture to boil – it should reach about 180°F (82°C), just below simmering point.
Step 4: Combine All Elements
Remove the cream mixture from heat and add the bloomed gelatin, stirring until completely dissolved. Add the banana puree and vanilla extract, whisking until fully incorporated. The mixture should be smooth and have a pale golden color with specks of vanilla.
Step 5: Mold and Chill
Lightly grease your ramekins or dessert cups with a neutral oil. Pour the mixture evenly into six 6-ounce ramekins or dessert glasses. Cover with plastic wrap and refrigerate for at least 4 hours, preferably overnight. The longer it chills, the more pronounced the banana flavor becomes.
Step 6: Prepare the Rum Sauce
About 20 minutes before serving, melt butter in a small saucepan over medium heat. Add brown sugar and stir until dissolved, about 2-3 minutes. Carefully add the heavy cream (it may splatter), cinnamon, and salt. Bring to a gentle simmer and cook for 5 minutes, stirring occasionally until slightly thickened.
Step 7: Finish the Sauce
Remove the sauce from heat and stir in the rum. Allow it to cool slightly – the sauce will continue to thicken as it cools. For the perfect consistency, it should coat the back of a spoon but still pour easily.
Step 8: Serve
To unmold the panna cotta, run a thin knife around the edge of each ramekin and briefly dip the bottom in warm water for 5-10 seconds. Invert onto serving plates with a gentle shake. Alternatively, serve directly in the glasses. Drizzle warm rum sauce over the top just before serving.
Nutritional Information
Per serving (1/6 of recipe with sauce):
Calories: 520
Fat: 35g (Saturated Fat: 22g)
Carbohydrates: 45g (Sugars: 38g, Fiber: 1g)
Protein: 4g
Sodium: 125mg
Potassium: 280mg
This dessert provides approximately 15% of your daily potassium needs, thanks to the bananas. While indulgent, the portion size keeps it reasonable for an occasional treat. The banana component adds nutritional benefits not found in traditional panna cotta recipes.
Healthier Alternatives for the Recipe
For a lighter version with 30% fewer calories, substitute half the heavy cream with Greek yogurt and use coconut sugar instead of granulated sugar. This maintains the creamy texture while adding probiotic benefits and reducing the glycemic impact.
Create a dairy-free version by using full-fat coconut milk and coconut cream instead of dairy. The tropical notes of coconut complement the banana beautifully, creating a different but equally delicious dessert experience.
For a naturally sweetened option, replace the sugar with maple syrup or honey (use ⅓ cup instead of ½ cup due to their higher sweetness level). Add an extra ½ teaspoon of gelatin to compensate for the additional liquid.
Serving Suggestions
For an elegant presentation, serve in clear glasses layered with crushed graham crackers to create a banana cream pie-inspired dessert. Top with a thin banana slice caramelized with a kitchen torch for a professional touch.
Create a dessert bar by serving mini portions with various toppings like toasted coconut, crushed nuts, dark chocolate shavings, and fresh berries, allowing guests to customize their experience.
For brunch, serve smaller portions alongside coffee for a sophisticated alternative to traditional morning sweets. The rum sauce can be served on the side for guests to add according to their preference.
Common Mistakes to Avoid
- Overheating the cream mixture: Boiling can prevent the gelatin from setting properly. Keep the temperature below simmering point.
- Using underripe bananas: They lack the necessary sweetness and flavor intensity. Choose bananas with brown spots for the best flavor profile.
- Rushing the chilling process: Panna cotta needs sufficient time to set completely. Patience yields the perfect texture.
- Skipping the straining step: This crucial step removes fibrous banana bits that would disrupt the silky texture.
- Adding rum to hot sauce: This can burn off the alcohol and its flavor. Always add rum after removing the sauce from heat.
Storing Tips for the Recipe
Panna cotta can be made up to 3 days in advance and stored covered in the refrigerator. This makes it perfect for entertaining, as you can prepare it well before your event.
The rum sauce can be refrigerated for up to 1 week in an airtight container. Gently reheat in the microwave or on the stovetop, adding a splash of cream if needed to restore the consistency.
For a make-ahead dessert strategy, prepare both components separately: the panna cotta in serving dishes and the sauce in a jar. Simply reheat the sauce just before serving for a stress-free dessert experience.
Conclusion
This banana panna cotta with rum sauce elevates a humble fruit into an extraordinary dessert experience. The contrast between the silky-smooth custard and the warm, buttery rum sauce creates a perfect balance of textures and flavors that will impress even the most discerning palates.
Have you tried this recipe? I’d love to hear about your experience in the comments below! Share your photos on social media with #BananaPannaCottaDelight or explore our collection of other banana-based desserts for more tropical inspiration.