Warm the milk gently. Heat the milk in a small saucepan or microwave until warm but not boiling. Aim for cozy mug temperature. This helps the cocoa dissolve smoothly.
Blend the dry ingredients first. Add oats and cocoa powder to your blender and pulse a few times.
This breaks down the oats and prevents clumping.
Add the rest. Toss in the banana, warm milk, maple syrup (or honey), vanilla, salt, and any optional add-ins like cinnamon, nut butter, or espresso powder.
Blend until silky. Start low, then go high for 30–45 seconds, until the mixture is smooth and frothy. If it’s too thick, add a splash more milk.
Taste and adjust. Need more sweetness? Add a touch more maple syrup.
Want it richer? Add an extra teaspoon of cocoa or a spoon of nut butter.
Serve warm. Pour into a mug for a hot-chocolate-like experience. For a cold version, blend with a few ice cubes and serve in a glass.