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Sift together the flour, cocoa powder, bicarbonate of soda and caster sugar into a large bowl and mix well..
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Mash the bananas in another bowl and then add to the flour mix.
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Add the oil and milk to the flour and mix well with a wooden spoon.
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Roughly chop the chocolate (or use chocolate chips) and add to the cake batter, fold through.
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Line a muffin tin with cases and fill to around 3/4 full - you should get 18 muffins from the mix.
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Place in an oven preheated to gas mark 4/180c for 20-25 mins until firm and cooked through.