Preheat the oven to 180°C and line a muffin tray with paper liners. In a bowl, mix the flour, baking soda, baking powder, salt, and cinnamon. In another bowl, combine the sugar, oil, mashed bananas, eggs, milk, and vanilla until smooth. Add the dry ingredients to the wet mixture and gently fold until just combined. Fold in the chopped nuts or raisins.
Spoon the batter into the muffin liners, filling each almost to the top. Bake until the muffins are golden and a skewer inserted in the center comes out clean. Allow to cool slightly before removing from the pan.
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