Monte Cristo Sandwich

Featured in: Meals For Any Day

A classic Monte Cristo Sandwich combines the best of both worlds - savory ham and melted Swiss cheese between slices of white bread, dipped in a seasoned egg batter and pan-fried to golden perfection. The exterior becomes crisp like French toast while the interior stays melty and warm. A final dusting of powdered sugar adds the signature sweet touch that balances the salty ham and rich cheese. Ready in just 20 minutes, this American favorite is perfect for brunch, lunch, or a quick dinner.

Updated on Tue, 13 Jan 2026 12:31:00 GMT
Golden-brown Monte Cristo sandwich halves, dusted with powdered sugar and served with raspberry jam on a white plate. Save
Golden-brown Monte Cristo sandwich halves, dusted with powdered sugar and served with raspberry jam on a white plate. | asiremdaily.com

The first time I encountered a Monte Cristo, I was genuinely confused. French toast meets grilled cheese meets ham sandwich? It sounded like someone couldn't decide what to order for breakfast. One bite of that crispy, powdered-sugar-dusted creation changed my entire perspective on sweet and savory combinations.

I started making these when my daughter declared regular grilled cheese boring. The powdered sugar on top makes her feel like she's having dessert for dinner. Now she requests them whenever she needs comfort food after a long week at school.

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Ingredients

  • White sandwich bread: Classic choice but challah or brioche make it extra special if you want to indulge
  • Deli ham: Thin slices work best so the sandwiches aren't too thick to cook through evenly
  • Swiss cheese: The mild nutty flavor pairs perfectly with the sweet elements, though GruyΓ¨re is a fancy upgrade
  • Dijon mustard: Just a teaspoon adds a little tang that cuts through the richness
  • Eggs and milk: The custard base that transforms bread into golden French toast
  • Butter and oil: Butter for flavor, oil so it doesn't burn, the dual fat approach never fails me
  • Powdered sugar: Don't skip this dusting, it's what makes a Monte Cristo a Monte Cristo

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Instructions

Build your sandwiches:
Spread mustard on four slices if using, then layer two slices each of ham and Swiss before topping with remaining bread
Whisk the custard:
Beat eggs with milk, salt, and pepper in a shallow dish wide enough to dip the sandwiches
Heat your pan:
Melt butter with oil in a large skillet over medium heat until foaming subsides
Dip and coat:
Lay each sandwich in the egg mixture, turning carefully to soak both sides but not so long that bread falls apart
Fry to golden:
Cook three to four minutes per side, pressing gently with spatula, until deep golden and cheese melts completely
Finish and serve:
Let rest one minute, slice diagonally, dust generously with powdered sugar
A classic Monte Cristo sandwich oozing melted Swiss cheese, layered with ham, and perfectly crispy from the egg batter. Pin it
A classic Monte Cristo sandwich oozing melted Swiss cheese, layered with ham, and perfectly crispy from the egg batter. | asiremdaily.com

These have become our Sunday tradition when nothing fancy is on the calendar. Something about cutting them diagonally and arranging them on plates makes even a regular afternoon feel special.

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Make It Your Way

Turkey works beautifully if you're not a ham person, or go vegetarian with just extra cheese. The beauty is how adaptable this sandwich is while keeping its soul intact.

Serving Suggestions

A little pot of raspberry preserves on the side makes all the difference. The tart fruit jam cuts through the richness and creates that perfect sweet-tangy balance that restaurant Monte Cristos always nail.

Get Ahead Tips

You can assemble the sandwiches hours before cooking, just keep them wrapped so bread doesn't dry out. Whip up the egg mixture and store it in the fridge too. Then when hunger hits, you're minutes away from golden perfection.

  • Keep cooked ones warm in a 200Β°F oven if making a big batch
  • Cut diagonally with a serrated knife for cleanest slices
  • Serve immediately while that cheese is still molten
Buttery pan-fried Monte Cristo sandwich ready to eat, cut diagonally to reveal the savory ham and cheese filling. Pin it
Buttery pan-fried Monte Cristo sandwich ready to eat, cut diagonally to reveal the savory ham and cheese filling. | asiremdaily.com

There's something deeply satisfying about a dish that refuses to pick a lane and ends up creating its own category entirely. That's the Monte Cristo magic.

Frequently Asked Questions

β†’ What makes a Monte Cristo different from regular ham and cheese?

The Monte Cristo is dipped in an egg batter before cooking, similar to French toast, creating a golden, slightly sweet exterior that contrasts beautifully with the savory ham and melted Swiss cheese inside.

β†’ Can I make Monte Cristo sandwiches vegetarian?

Absolutely. Simply omit the ham and add extra Swiss cheese, or substitute with vegetarian deli slices. The egg-battered preparation remains the same.

β†’ What type of bread works best?

White sandwich bread is traditional, but brioche or challah adds rich flavor and structure. Use sturdy bread that won't fall apart when dipped in the egg mixture.

β†’ Why add powdered sugar to a savory sandwich?

The powdered sugar is essential to the Monte Cristo's signature sweet-savory balance. It complements the salty ham and rich cheese, creating a flavor profile similar to a ham and cheese croissant.

β†’ What should I serve with Monte Cristo sandwiches?

Raspberry preserves or jam are the classic accompaniment for dipping. A light mixed green salad with vinaigrette or fresh fruit helps balance the richness of the sandwich.

β†’ Can I prepare Monte Cristo sandwiches ahead of time?

Assemble the sandwiches in advance, but dip and cook them just before serving. They're best enjoyed hot and crispy from the skillet.

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Monte Cristo Sandwich

Golden ham and cheese sandwich dipped in egg batter and fried until crisp, topped with powdered sugar.

Prep Time
10 Minutes
Cook Time
10 Minutes
Total Time
20 Minutes

Category: Meals For Any Day

Difficulty: Easy

Cuisine: American

Yield: 4 servings

Dietary: None specified

Ingredients

Bread

01 8 slices white sandwich bread

Filling

01 8 slices deli ham
02 8 slices Swiss cheese
03 4 teaspoons Dijon mustard

Egg Batter

01 3 large eggs
02 1/2 cup whole milk
03 1/4 teaspoon salt
04 1/4 teaspoon ground black pepper

For Frying

01 2 tablespoons unsalted butter
02 1 tablespoon vegetable oil

Garnish

01 2 tablespoons powdered sugar
02 Raspberry preserves or jam for serving

Instructions

Step 01

Prepare the Sandwiches: Lay out bread slices and spread Dijon mustard on 4 slices. Layer 2 slices ham and 2 slices Swiss cheese on each mustard-covered slice. Top with remaining bread to form 4 sandwiches.

Step 02

Make the Egg Batter: Whisk together eggs, milk, salt, and pepper in a shallow bowl until smooth and fully combined.

Step 03

Heat the Skillet: Heat butter and vegetable oil in a large skillet over medium heat until butter melts and begins to bubble.

Step 04

Coat Sandwiches: Dip each sandwich into egg batter, coating both sides thoroughly and allowing excess to drip off.

Step 05

Pan-Fry Until Golden: Place sandwiches in skillet and cook for 3 to 4 minutes per side, pressing gently with spatula, until golden brown and cheese is melted.

Step 06

Rest and Slice: Remove sandwiches from skillet and let rest for 1 minute. Slice each sandwich in half diagonally.

Step 07

Garnish and Serve: Dust generously with powdered sugar and serve immediately with raspberry preserves on the side.

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Tools You'll Need

  • Large skillet
  • Mixing bowl
  • Whisk
  • Spatula
  • Measuring spoons and cups
  • Knife

Allergy Information

Please check ingredients for potential allergens and consult a health professional if in doubt.
  • Contains eggs, milk, wheat, and pork. Use gluten-free bread, dairy-free cheese, or vegetarian alternatives as needed. Always verify processed ingredients for allergens.

Nutrition Facts (Per Serving)

It is important to consider this information as approximate and not to use it as definitive health advice.
  • Calories: 470
  • Total Fat: 26 g
  • Total Carbohydrate: 35 g
  • Protein: 24 g

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