Preheat the oven to 170°C fan (190°C conventional / 375°F).
You will need 3 oven-safe containers or ramekins, around 350ml.
Optional: Measure out the total milk (195ml, or ¾ cup + 1 tbsp), then mix the chia seeds with around 4 tbsp of the milk and set aside to thicken.
Add all the ingredients (except the oats and chocolate chips) to a blender and blend until completely smooth — including the soaked chia seeds.
Stir through the oats, then divide the mixture between your baking dishes or ramekins.
Top with the chocolate chips (or chopped chocolate) and bake in the centre of the oven for 12–18 minutes, depending on how set you want them.
Allow to rest for 5 minutes before eating, or let it cool completely and store in the fridge for up to 4 days.
Serve with a big dollop of Greek yoghurt for an extra protein boost.
