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If you struggle to find time in the morning to cook yourself a healthy breakfast, then please allow me to introduce you to banana bread Overnight Slow Cooker Steel Cut Oats. This healthy crock pot oatmeal recipe is the closest thing you’ll find to living in a bed and breakfast. Simply stir the ingredients together the night before, set your slow cooker to low, and in the morning, you’ll awake to the heavenly scent of warm cinnamon floating through your home. 

Slow Cooker Overnight Oatmeal in a white bowl topped with bananas

If I ignored the dishes, I’d feel a little like I had a personal breakfast chef.

I discovered this method for cooking steel-cut oats in the crock pot the year a series of unfortunate events left us without a stove for almost three months.

I’ll spare you the details, but suffice to say that without a proper cooktop or oven, I embraced my slow cooker with a passion I didn’t realize I could muster for an appliance.

I’d seen overnight steel cut oatmeal recipes floating around the web for ages, but most were for the cold variety that soaks overnight in the refrigerator. (Check out my version of Overnight Steel Cut Oats!)

While I do adore regular overnight oats (these Apple Cinnamon Overnight Oats and this Sugar Cookie Overnight Protein Oatmeal are two favorites), in the winter months, I crave my oatmeal hot.

The issue: On weekday mornings, I’m usually too busy or too unmotivated to stand at the stove and wait for steel cut oatmeal to simmer. My priorities are coffee and finding a pair of socks that match.

The solution: Slow Cooker Steel Cut Oats!

2 bowls of overnight steel cut oats next to fresh bananas and cinnamon sticks

What Are Steel Cut Oats

If you’ve never had steel cut oats, prepare yourself for a serious oatmeal upgrade.

  • Steel cut oats (whole oats that have been cut into a few pieces) are significantly less processed than instant oats, which are steamed, pressed, ground, and otherwise obliterated.
  • This means that, unlike instant oatmeal, which has all the flavor and texture of a pile of wet sawdust (oatmeal skeptics, I can sense your nods of understanding), steel cut oatmeal has a hearty, pleasing texture and nutty taste.
  • As a bonus, because steel cut oats take your body longer to break down, they keep you fuller too.

The one downfall of steel cut oats is that, if you make them day of, they can take 30 minutes or longer to cook on your stovetop, which is about 26 minutes longer than I’m willing to wait for my breakfast on an average morning.

Making overnight steel cut oats in the slow cooker solves the problem.

All of the steel cut oatmeal magic happens in the slow cooker overnight, so in the morning, the only waiting you’ll do is for the coffee to brew. (Another example of overnight recipe magic: Crockpot Egg Casserole!) 

slow cooker full of cooked overnight steel cut oats

Flavoring Steel Cut Oats

On its own, oatmeal can be pretty bland, but with a few little tricks, you can turn it into a crave-worthy breakfast.

  • To give my banana bread overnight steel cut oats some pizzazz, I took inspiration from my favorite healthy banana nut muffins, adding mashed ripe bananas, cinnamon, and nutmeg to the oats before they cooked.

The result was a filling, healthy breakfast with the cozy flavor of freshly baked banana bread.

Going along with the Slow Cooker Steel Cut Oats banana bread theme, I couldn’t stop myself from topping my bowl with extra banana slices and walnuts.

Combined with the bananas that were mixed into the crock pot oatmeal, this steel cut oats recipe has just the right amount of sweetness for me.

  • If you prefer your oatmeal on the sweeter side, I suspect a drizzle of pure maple syrup or honey will do the trick. Chocolate chips and a giant dollop of peanut butter wouldn’t hurt either.
  • For those who prefer to keep the overnight Slow Cooker Steel Cut Oats plain, you can swap the mashed banana for unsweetened applesauce or a few extra splashes of milk to ensure they do not dry out.

Tips for Slow Cooker Overnight Oats Success

  • Either be VERY generous with the nonstick spray or use a crock pot liner. Steel cut oats like to stick.
  • Use regular, long cooking steel cut oats like these ONLY. Any other kind of oatmeal (including quick-cooking steel cut oats, regular rolled oats, quick oats, and the aforementioned instant oatmeal) can’t stand up to the hours in the slow cooker and will degrade into total mush.
  • Every slow cooker is different. If your slow cooker runs hot or does not have a function to switch to “off” or “keep warm” after the cooking time is through, you risk overcooking or even burning the edges of the steel cut oatmeal. If this is the case, my suggestion is to make the slow cooker steel cut oats during the day when you can keep an eye on it, and then reheat it the next morning. This guarantees perfect crock pot oatmeal, and you still have the make-ahead benefit.
  • Hack if you are REALLY worried about the edges burning: stir together the steel cut oatmeal ingredients inside a large casserole dish that will fit inside your slow cooker. Pour a little water in the bottom of the slow cooker, and then place the dish inside (the water should go about halfway up the side of the dish). This creates a water bath and allows a longer cook time.

Other Favorite Steel Cut Oats Recipes

  • Pumpkin lovers will flip over these Pumpkin Slow Cooker Steel Cut Oats. Bonus: Kids love them too—my 2 1/2-year-old niece eats them daily.
  • I’m also a fan of stirring in a scoop of vanilla or chocolate protein powder into my oatmeal to make it even more filling.
  • Instant Pot Steel Cut Oats. Ideal for making perfect steel cut oatmeal in less time.
  • Also, steel cut oats can be made on the stovetop! Here is how to make the PERFECT bowl of Steel Cut Oats.
2 bowls of overnight slow cooker steel cut oats topped with sliced bananas

How to Store Leftover Oatmeal

This recipe makes a big batch of slow cooker oatmeal, which I guarantee you will be happy to have on hand.

  • You can store leftover overnight slow cooker steel cut oats in the refrigerator for almost a week, and in the freezer for months. To reheat, simply mix your desired portion of steel cut oats with a little water or milk and warm it in the microwave.
  • For meal-prep ease, I also like to freeze my leftover crock pot oatmeal in portioned containers and place a few in the refrigerator to thaw at the beginning of each week. I love waking up knowing that I’m just a few minutes away from a warm, healthy bowl of steel cut oatmeal, with no work beyond lifting my spoon required.

Recommended Tools to Make Overnight Slow Cooker Steel Cut Oats

Overnight Slow Cooker Steel Cut Oats with Banana

4.47 from 159 votes
Overnight slow cooker steel cut oats that cook while you sleep! With banana, cinnamon, and warm spices, this easy crock pot oatmeal tastes like your favorite banana bread. Just put the ingredients in your slow cooker and in the morning, breakfast is served!

Prep: 10 minutes
Cook: 8 hours
Total: 8 hours 10 minutes

Servings: 6 servings



  • Place all of the ingredients except the toppings in the bottom of a 4-to-6-quart slow cooker and stir to combine: Steel cut oats, water, milk, mashed bananas, flaxseed meal, vanilla, cinnamon, nutmeg, and salt.
  • Cover and cook on low for 7-8 hours (overnight) or on high for 4 hours, until the oats are soft but maintain a bit of chew. Remove cover and stir to evenly combine the ingredients. Enjoy warm with desired toppings.



Overnight steel cut oats can be refrigerated for up to 1 week or frozen for up to 2 months. To reheat, top desired amount with a few tablespoons of water or milk, then warm in the microwave or in a small saucepan until hot. If the oatmeal is frozen, let thaw overnight in the refrigerator first.
*The ground flaxseed meal I added for a nutritional boost. If you don’t have it or do not wish to add it, simply omit it. You can also substitute chia seeds or hulled hemp seeds.


Serving: 1(of 6, without toppings—about 1 1/4 cups)Calories: 190kcalCarbohydrates: 28gProtein: 7gFat: 5gSaturated Fat: 1gPotassium: 28mgFiber: 6gSugar: 1gCalcium: 139mgIron: 2mg

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Erin Clarke

Hi, I'm Erin Clarke, and I'm fearlessly dedicated to making healthy food that's affordable, easy-to-make, and best of all DELISH. I'm the author and recipe developer here at and of The Well Plated Cookbook. I adore both sweets and veggies, and I am on a mission to save you time and dishes. WELCOME!

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  1. I followed the recipe exactly as written and my family loved it! I have made it three times so far this season. It is delicious, healthy and so much better than buying dry cereals. It is a nice change from eggs, and healthier, too. The milk and flax seeds add protein so I stay full longer. We add walnuts, maple syrup and blueberries or more bananas to top it off. Thank you for an easy and healthy recipe! Can’t wait to try more from this site.5 stars

  2. I know you said NO subs but I have quick steel cut oats on hand and I do not like to waste! Can you cook these type of oats for 2 hrs on high instead??

    1. Hi Christine! I’ve not tested the recipe with quick steel cut oats. If you decide to experiment, let me know how it goes!

  3. I’ve been trying to “conquer” steel cut oats for a while, and this recipe is wonderful! I substituted Hemp Hearts for the flax since the protein content is higher, cooked in my crock pot on high for four hours, and it was perfectly cooked. I used all my bananas in the recipe, so didn’t have any to put on top, but raspberries made a great sweet topping. No sugar or syrup needed.

    Thanks for a most excellent breakfast!5 stars

  4. Breakfast is my favorite meal. I look forward to making this awesome cereal overnight on a Saturday to enjoy Sunday on a very cold Sunday morning before service. Very tasty. Thanks.5 stars

  5. Thanks! I suffer from migraines and awful nausea. Trader Joe’s was out of their frozen overnight steel cut oats so I’m trying this recipe. I usually cook them stove top but I’m not up to doing that. Hopefully, this recipe will save me. I’m doing the 4hour method on high with a cinnamon stick, nutmeg and vanilla. Hopefully I can have it for dinner with bananas and brown sugar. The rest I plan to freeze in one cup silicon trays to have during the week. Oatmeal is good for dinner too. Looking forward to it. Thanks for sharing.5 stars

  6. Sorry, but ugh. Just started a healthier diet so I thought I’d try this as a quick breakfast, and found them absolutely gross! Kind of sticky, mushy with a weird taste.1 star

    1. I’m sorry to hear that it wasn’t to your taste Adrienne. The recipe has worked well for myself (and others) but I know how frustrating it can be to try a new recipe and not have it work out, so I really wish you would’ve enjoyed it!

  7. This is delicious!! My kids (9 and 13) don’t like oatmeal very much, but I thought I’d give it a try anyway. They gobbled it up! Next time I make it I’ll use a little less nutmeg and a little more cinnamon, but other than that, it was perfect. (I’m lactose intolerant so cooked it with almond milk, which worked fine. I also added roasted pecans and maple syrup as toppings — yum!)5 stars

  8. I followed the recipe exactly as written but it came out too lose for my liking. I prefer it a little more thick however it tasted good with the walnuts, additional banana, and monk fruit. Next time I think I will use unsweetened vanilla almond milk for more flavor and spray the crockpot with cooking spray to avoid sticking.

    Also, I forgot slow cooker bags. So the next5 stars

  9. Made this last week with the addition of coconut oil & brown sugar and just a splash of heavy whipping cream in place of milk. It was yummy!

    I would like to make a large batch for a gathering next week. Do you (or any commenters) have experience with making a large batch? Could I cook 4 cups of steel cut oats in a 7 qt crockpot? (It seems doable to me, but I don’t have time to practice.) And hiw much longer might the cooking time be? Guesstimates welcome!5 stars

    1. Hi Jane! It might be doable but I haven’t tried it myself so just unsure. I’m thinking you’ll have to experiment to see. So glad you enjoyed it!

  10. Hi – This looks great. Just wondering if you have any input on increasing the quantity when cooking? I need to feed a crowd. Do you think increasing by 4x or 6x this recipe would result in the same quality when cooked in the crock pot?

    1. Hi Zorkita! I’m sorry I really don’t know due to never testing out it for a large crowd before. First I think you would need to see if your slow cooker could fit that many oats in it. Also the recipe card has a slider button to increase serving sizes but be aware that it doesn’t always accurately change the numbers in the ingredients and the directions so definitely double check.

  11. I’m trying to go all whole plant food so I’m giving up milk. Is there something I can substitute for the milk.

  12. Trying the crock pot steel cut oatmeal! Hoping I like it as much as I think I will!
    Making 1/2 recipe for at least 2 to 3 meals!
    I might add some peanut butter, just because I love it!!
    Can’t wait for breakfast in the morning!

  13. I just made this recipe in my pressure cooker! It turned out perfect and done in less than an hour!
    Put all ingredients in PC. Stir well. Close/lock lid and cook on high for 5 minutes. Let PC natural release (appx 15-20 minutes) Vent, open, stir and enjoy!!!5 stars

  14. This is a GREAT recipe and I have made it MANY times. After reading reviews and suggestions to make it your own, I came up with this:
    2 large mashed ripe bananas
    253 g steel cut oats- do not substitute quick cooking, instant, or rolled oats (as Erin noted)
    3 tablespoons total of ground flaxseed meal, chia seeds, hulled hemp seeds, or a combination
    2 T brown sugar, maple syrup, honey, or a combo (opt, and I only add the sweetener when making for overnight company)
    1 1/2 teaspoons ground cinnamon
    2 teaspoons pure vanilla extract (omit if using vanilla-flavored milk)
    1/2 teaspoon freshly grated nutmeg or 1/4 t from container
    1/2 teaspoon kosher salt
    1 peeled and finely diced apple (opt, but good)
    1 3/4 cups milk – any type except soy milk
    4 cups water
    1 1/2 T flavored coconut oil to grease the crock pot (or use crockpot liner). You do not have to go all the way up to the lip.
    I used a 4-qt slow cooker.
    Remove crock pot from warmer.
    Mix all ingredients, except the toppings, in mixing bowl.
    Grease crock pot with the coconut oil.
    Tilt crock pot to avoid splashing and add mixed ingredients; place in warmer.
    Cover and cook on low for 3 1/2 hours (increase time if necessary, but this worked for me).
    Remove cover and stir to evenly combine the ingredients.
    Ingredients can be combined ahead of time. Take out 30 minutes before cooking.
    Overnight steel cut oats can be refrigerated for up to 1 week or frozen for up to 2 months.
    After cooling oatmeal stuck on sides of crock pot will loosen.5 stars

  15. I’ve been making this recipe since I discovered it a bit over a year ago. My husband is type 2 diabetic and this is perfect for him to start the day. He eats breakfast at 5:30am and it keeps him going until 10-11am.
    He adds blueberries, I add some slivered almonds.
    I love that it doesn’t need any sweetening, it’s just like banana bread, fresh from the pot.
    I cook a double recipe and freeze it in single serve containers so breakfast can be ready in a flash.
    Thank you for this one! I love it.5 stars

  16. I will try your steel cut oats recepie tonight and enjoy healthy breakfast tomorrow. It sounds easy enough for this 78 year old widower. Thank you.5 stars

  17. Hi! Could you suggest how to add protein powder to up protein. I love this recipe but am trying to figure out how to make high protein option.

    1. Hi Cheryl! I haven’t tried it myself but it might work similar to how the protein powder is added in this recipe: If you decide to experiment, I’d love to know how it goes!

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