Monte Cristo Sandwich Recipe

Monte Cristo Sandwich

Have you ever heard of a Monte Cristo sandwich? It sounds fancy, but it’s actually just the union of a ham and cheese sandwich and french toast.

This sandwich can be a great lunch box meal for your kids to take to school, an easy lunch you can take to work, or just a quick afternoon snack. Although it’s partially French toast, you don’t have to limit this sandwich to breakfast.

It’s a great way to cut costs and save money while upgrading from your regular sandwich routine. I love to include it in my regular meal plan each week.

Prep time 5 mins

Cooking Time 10 mins

Ready In 15 mins

Serves 3


1/2 cup whole milk

1 large egg

Salt, Pepper, to taste

6 slices white bread


Dijon Mustard

6 slices Farmer’s Ham

6 slices of Mozzarella cheese


  1. Whisk egg and whole milk in a bowl. Season with salt and pepper and then set aside.
  2. Take sandwich bread slices; spread mayonnaise and Dijon mustard with a knife on each slice. Assemble in 2 slices ham and 2 slices of Swiss cheese in between 2 slices of bread. Repeat to make a total of 3 sandwiches.
  3. Heat a cast iron pan over medium-high heat. Quickly dip one sandwich in the egg and milk mixture until well coated. Make sure not to soak the sandwich or it will get all soggy. Grill sandwich for 2 minutes on each side or until cheese has melted. Repeat with remaining sandwiches.
  4. Slice each sandwich in half diagonally. Serve and enjoy!

Quick tip: Don’t have Mozzarella cheese slices available? You can use whatever cheese slice available you have at home like Swiss cheese slices or cheddar cheese slices.

Don’t have Dijon Mustard? You can also substitute Dijon Mustard for Honey Mustard and the taste will be amazing!

Want to make a healthier version? Swap the white bread for whole wheat bread slices, the Farmer’s Ham for Turkey Ham, whole milk for low-fat milk, and regular mayonnaise for the low-fat version.

Will you try out this recipe? Let us know in the comments!

Posted in: Personal Finance, Recipes, Saving Money

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