Melt the chocolate chips in 30 second increments in the microwave until the chocolate is melted. Place the melted chocolate in a small ziploc bag and cut off a piece of the corner to form a small hole.
Drizzle the chocolate over the top half of each kiwi so that it looks like a monster. Carefully press 2 white chocolate chips into the chocolate and a banana triangle at the top of the Frankenstein heads.
Carefully use the bag of chocolate to make two dots in the centre of each white chocolate chip to form eye balls and a squiggly mouth under the eyes. You can even poke in pretzel sticks for the arms if you wish.