Preheat the oven to 350 degrees. Line a muffin tin with 12 paper liners.

In a medium bowl combine the flour, baking powder, baking soda, and salt. Set aside.

In a large bowl cream together the butter, sugar, and brown sugar.

Add in the eggs and mix well. Stir in the vanilla.

Mash the bananas and add them to the sugar mixture. Mix until well combined.

Pour the flour mixture into the sugar mixture and mix well.

Stir in the mini chocolate chips.

Spoon the batter into the prepared muffin tin. Fill each cup about 3/4 of the way full.

Place a small teaspoon of Biscoff or cookie butter on top of each batter cup.

Using a butter knife swirl the Biscoff or cookie butter into the muffin batter.

Bake for 22-25 minutes or until a toothpick inserted into the center comes out clean.

Remove from oven and cool completely on a wire rack.