Preheat the oven to 350°F/175°C. Line muffin tins with paper liners.
Mash bananas in a large bowl. Whisk in oil, eggs, vanilla, and sugar until smooth. Fold in flour, baking soda, baking powder, cinnamon, dark chocolate, milk chocolate, and walnuts until just combined.
For the crumble, pulse butter, flour, walnuts, brown sugar, and cinnamon in a food processor until coarse crumbs form.
Spoon batter into muffin cups, filling about two-thirds full. Press 1 teaspoon Nutella into the center of each, then sprinkle crumble on top.
Bake until golden and a skewer comes out clean, 30–35 minutes. Cool in pan for 10 minutes, then transfer to a wire rack.