HEAT oven to 400°F. Spray baking sheet with no-stick cooking spray.
STIR flour, salt and baking powder together in medium bowl. Cut in butter using pastry blender or two knives until mixture resembles fine breadcrumbs. Add sugar, chocolate chips and milk. Mix to form soft dough. Turn onto floured surface. Knead quickly, then roll out to 1/2-inch thickness.
CUT 12 rounds with 2 1/2-inch cutter. Place scones on prepared baking sheet. Brush with beaten egg. Bake 8 to 10 minutes or until scones are golden brown. Cool on wire rack.
STIR together banana curd and yogurt in small bowl. Serve with warm scones.