My no-bake keto banana pudding cheesecake fluff is the ultimate low-carb dessert-rich, creamy, and flat-out delicious!
Made with full-fat cream cheese, heavy whipping cream, banana extract, and a buttery almond flour crumb topping, this treat delivers all the nostalgic flavor of banana pudding without the sugar or carbs.
And yes-there are no real bananas in this recipe. Why? Because keeping it truly keto means cutting out high-carb ingredients, and that’s essential for anyone watching their macros.
Unlike traditional banana pudding recipes that rely on instant pudding mixes (often packed with sugar and gluten), this version stays clean and gluten-free.
Instead of boxed mixes, I use pasteurized egg yolk powder to create that smooth, custard-like richness—no cooking required.
Perfect for family gatherings, meal prep, or when your sweet tooth strikes, this easy, indulgent dessert is proof that keto can be a delicious breeze.
This easy no-bake cheesecake fluff was inspired by my original Keto Banana Pudding Recipe, which offers a more classic, layered take on the Southern favorite.
While that version requires a bit more effort, this fluff is a quicker alternative that still delivers all the banana pudding flavor-minus the extra steps.
Why You'll Love Low-Carb Banana Cheesecake Fluff
- Combines classic flavors with keto macros.
- No baking needed—quick and easy to whip up.
- Great for meal prep or a crowd-pleasing dessert.
- Packed with healthy fats and protein—ideal for keto snacking.
A great alternative to carb-heavy banana pudding or traditional cheesecake.
Ingredients Needed For Sugar-Free Banana Cheesecake Fluff
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The following are the ingredients and equipment you'll need: Note that the full printable recipe card is at the bottom of the post.
- Cream Cheese - Adds rich, tangy body. Make sure it’s softened for smooth mixing.
- Heavy Whipping Cream -Brings volume and fluffy texture.
- Sugar-Free Sweetener - Look below for my brand recommendations.
- Banana Extract - I love Olive Nation brand it works really well in giving that rich banana taste without it tasting fake. Your tastebuds will think you've cheated, but they would be wrong.
- Egg Yolk Powder - Adds richness and a pudding-like flavor. Note it’s pasteurized and safe to eat unbaked.
- Almond Flour Crumb Topping -Nutty and buttery; a perfect crunchy contrast.
How To Make This Recipe
To begin, bring the cream cheese to room temperature so it blends smoothly, and make sure your heavy cream is cold for the best whipping texture.
In a large mixing bowl, use an electric mixer to beat the softened cream cheese along with half of the powdered sugar-free sweetener and the salt until well combined and creamy.
Next, add half of the heavy cream and the egg yolk powder, and continue to beat the mixture until it becomes light and fluffy.
Once the mixture is airy, add the remaining sweetener along with the vanilla and banana extracts. Mix until fully incorporated, then pour in the rest of the heavy cream and whip until the fluff reaches stiff peaks and a mousse-like consistency forms.
Set aside while you prepare the almond flour crumb topping.
To make the topping, combine the almond flour, granulated sugar substitute, and sea salt in a small bowl. Add the melted butter and stir until the mixture turns into a crumbly texture.
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To assemble, spoon the banana cheesecake fluff into a glass bowl, trifle dish, or individual serving jars, then generously sprinkle the almond crumb topping over the surface.
Serve immediately for a soft texture, or refrigerate for a firmer consistency. Store any leftovers in an airtight container in the fridge for up to five days.
Best Sugar-Substitutes For This Recipe
I have several options when it comes to which sweetener you can use in this homemade sugar-free banana cheesecake fluff recipe. There's no denying that I am partial to Lakanto Monk Fruit.
Lakanto Powdered Monk Fruit is my favorite since the texture and flavor works well in the cheesecake batter.
I’m also a fan of the brand Swerve's Confectioner's Sugar Substitute. Like Lakanto it has a 0% impact on blood sugar.
Tag Us
I sure hope you will give this keto banana dessert a try. Once you do, make sure you remember to tag us on Instagram and Facebook. It’s what keeps this girl encouraged to keep sharing and perfecting her recipes.
Also, check out our Amazon Store for our recommendations. You might be surprised by how many great keto options are at your disposal.
Other Sugar-Free Banana Desserts
Be sure to check out some other low-carb recipes made banana extract.
- Keto Banana Nut Bread
- Keto Chocolate Chip Banana Bread
- Keto Banana Cake
- Keto Banana Pudding, the recipe that inspired this cheesecake fluff version.
Grab Our Books & APP
In case you don’t know, we have authored two books for you, Essential Keto Bread and Essential Keto Desserts, both inspired by your requests over the years.
I pray these keto cookbooks will help make keto a delicious breeze for you.
Gain access to simple and delicious recipes for breakfast, lunch, dinner, snacks, and even desserts with our FITTOSERVEGROUP APP.
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Looking for an online support system to help you stay on keto? As a family, we came to the keto diet, looking at it from a Christian perspective. As believers, we live our lives supported by God's grace.
Knowing firsthand the benefits of this decision, we have created a closed Christian group that is using the keto diet to transform their lives.
We invite you to join our Private Facebook Group and see if it's not the key you have been missing.
Be sure to request our FREE Jesus and Keto E-Book (First 7 Days). We hope it blesses you.
Keto Banana Pudding Cheesecake Fluff (Gluten-Free)
Creamy, fluffy, and bursting with banana flavor—this keto banana pudding cheesecake fluff is sugar-free, and topped with a buttery almond crumb!
Ingredients
- 12 ounces of full-fat cream cheese, room temperature softened
- 16 ounces of heavy whipping cream, cold
- ½ cup sugar-free powdered sweetener
- 1 ½ teaspoons of vanilla extract
- 3 teaspoons of high quality banana extract, I use the Olive Nation brand
- 3 tablespoons of egg yolk powder (pasteurized)
- ¼ teaspoon of salt
Almond Flour Crumb Topping
- 1 ½ cups of finely milled almond flour
- ⅓ cup of melted unsalted butter
- 3 tablespoons of granulated sugar substitute
- ¼ teaspoon of sea salt
Instructions
- Bring the cream cheese to room temperature and ensure the heavy cream is cold.
- In a large bowl, using an electric mixer, combine the softened cream and half the sugar-free confectioner's sugar substitute and salt. Whip until well combined. Then add half the heavy cream, and egg yolk powder to the cream cheese mixture and beat until light and fluffy.
- Next, add the remaining powder sweetener and vanilla and banana extract and combine well. Then add the rest of the heavy cream and beat until light, fluffy, and stiff peaks form.
- Proceed to make the almond flour crumb topping.
Almond Flour Crumb Topping
- In a small mixing bowl, combine the almond flour, sugar substitute, and salt.
- To the dry ingredients, add the melted butter and stir well to make a crumble topping.
- Add the low-carb banana pudding cheesecake fluff into a glass bowl or trifle dish and then sprinkle the surface of the fluff with the almond crumb topping.
- Store leftovers in the refrigerator in an airtight container for up to 5 days.
Nutrition Information:
Yield: 8 Serving Size: 1Amount Per Serving: Calories: 435Total Fat: 43gSaturated Fat: 28gCholesterol: 159mgSodium: 225mgCarbohydrates: 5.1gNet Carbohydrates: 4.7gFiber: 0.5gProtein: 5.5g
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