Prep the fruit: Core the apple and chop it into chunks.
If the skin is tough, peel it; otherwise, leave it on for more fiber. Break the banana into pieces. If using fresh banana, add a few ice cubes later.
Layer the blender: Add milk first, then yogurt, then oats, apple, banana, cinnamon, vanilla, and a small pinch of salt.
Liquids at the bottom help everything blend smoothly.
Blend until creamy: Start on low, then increase to high for 30–60 seconds. If it’s too thick, add a splash more milk. If it’s too thin, add a few ice cubes or a spoonful of oats and blend again.
Taste and adjust: Add maple or honey if you want more sweetness.
Sprinkle in nutmeg or allspice for an extra cozy note. Blend briefly to combine.
Serve right away: Pour into a chilled glass. Dust with a pinch of cinnamon on top for a bakery-style look.