If you are looking to grow a banana plant that produces edible fruit, you will need to plant it from rootstock. From seed, you will get a lovely ornamental banana plant. Banana seeds are finicky and, even under the best conditions, may not germinate for several months.
Banana seeds require scarification before planting. To scarify the seed, use a razor blade to nick the outside seed coat. Place the seeds in a bowl of water and soak them for one week, changing the water daily.
Plant the banana seeds 1/2 inch deep in vermiculite or a mixture of peat moss and vermiculite. Water the planting medium and keep it moist while the banana seed germinates.
The seed requires humidity and heat to germinate. Place the planting pot in a plastic bag and secure it. Then place the bagged pot on the heat mat, set to 23.9 degrees C. Turn the mat off at night and then on again in the morning.