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Preheat oven to 375F/190C. Grease muffin pan cups or line them with liner papers.
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In a large bowl mix together flour, baking soda, salt, and sugar.
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In a medium bowl, whisk together egg, mashed bananas, and melted butter. Pour the egg mixture into the flour mixture and mix as little as possible, just until combined.
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Fill the muffin cups halfway with batter and drop about a teaspoon of Nutella in the center of each. Fill with batter the rest of the way, filling the cups about ¾ full. Sprinkle the tops with chocolate chips if you like. Bake for 15-20 minutes or until a toothpick inserted into the center of a muffin comes out clean. Transfer to a wire rack and let cool for 10 minutes before removing from pan.
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Muffins will keep fresh and moist for 3 days at room temperature or in the fridge. Serve them at room temperature.