In a medium bowl, whisk together 2 cups of cold milk, one can of sweetened condensed milk, and a package of instant vanilla pudding mix for about 2 minutes until thickened. Let it chill in the refrigerator for about 5 minutes.

In a separate bowl, pour in 1 cup of cold whipping cream. Whip the cream on high speed for 2-3 minutes until firm peaks form.

Gently fold the chilled pudding mixture into the whipped cream until fully blended.

Grab a 9x13 inch dish and begin layering. Spread half of the pudding mixture evenly across the bottom.

Slice 2 ripe bananas and layer them on top of the pudding. Sprinkle crumbled Biscoff cookies over the bananas.

Pour the remaining pudding mixture over the banana and cookie layer, smoothing it evenly.

Cover the dish with plastic wrap and refrigerate for at least 2 hours.