Preheat the oven to 180 degrees Centigrade and line a muffin tray with 6 liners.
In a large bowl, mix together the flour, sugar, baking powder, bicarbonate of soda and salt.
In a separate bowl or jug, combine the melted margarine, milk, yoghurt, mashed banana, and syrup.
Pour the wet ingredients into the dry and mix gently until combined. Satir in the chocolate chips, if using.
Divide the mixture between the six muffin liners and top with a banana chip and a couple of extra chocolate chips (if using)
Bake for 18-20 minutes until golden and risen and a skewer comes out clean.
Cool on a wire rack and enjoy.