Pour milk into a pan and heat on a medium to high heat. Stir the milk occasionally, when the milk starts to steam, remove the pan from the heat.
Add Biscoff spread and cocoa powder (or hot chocolate powder) and whisk until dissolved into the milk.
Place the pan back on the heat until the mixture starts to steam and bubble.
Pour the hot chocolate into your mug, add your favourite toppings and enjoy! I added whipped cream, drizzled Biscoff spread and crushed Biscoff biscuits.