Step 1: In a large bowl, whisk together the instant vanilla pudding mix and 4 cups of cold milk until the mixture is well combined and has thickened. Set this aside to firm up while you prepare the other components.
Step 2: In a separate mixing bowl, using an electric mixer, beat the softened cream cheese until it is completely smooth and creamy, ensuring no lumps remain.
Step 3: Slowly add the sweetened condensed milk to the cream cheese mixture, continuing to beat until it is fully incorporated and the mixture is smooth. Stir in the vanilla extract.
Step 4: In a third, chilled bowl, whip the cold heavy cream with an electric mixer until stiff peaks form. Gently fold this whipped cream into the cream cheese and condensed milk mixture until just combined, being careful not to deflate the cream.
Step 5: Prepare your Biscoff cookies by crushing about half of the package into coarse crumbs (a food processor or a Ziploc bag with a rolling pin works great). Slice your ripe bananas into even 1/4-inch thick rounds.
Step 6: If desired, spread a thin layer of warmed Biscoff cookie butter at the bottom of a large trifle dish or 9x13 inch baking dish. This adds an extra layer of flavor.
Step 7: Arrange a single layer of whole Biscoff cookies over the bottom of your dish (or over the cookie butter layer).
Step 8: Evenly distribute a layer of your sliced bananas over the Biscoff cookies.
Step 9: Carefully spoon about half of the cream cheese-whipped cream mixture over the bananas, spreading it gently to cover.
Step 10: Next, spoon approximately half of the prepared vanilla pudding mixture over the cream cheese layer, spreading it out evenly.
Step 11: Repeat the layering process: add another layer of whole Biscoff cookies, followed by the remaining sliced bananas, then the rest of the cream cheese mixture, and finally the remaining vanilla pudding.
Step 12: Finish the top by generously sprinkling the crushed Biscoff cookie crumbs. For an extra touch, you can warm additional Biscoff spread and drizzle it artistically over the top.
Step 13: Cover the dish tightly with plastic wrap and refrigerate for a minimum of 4-6 hours, or preferably overnight. This chilling time is essential for the cookies to soften and for all the delicious flavors to meld together perfectly.
Step 14: Serve chilled and savor every spoonful of this irresistible Biscoff Banana Pudding!