01 -
Grab a big bowl, stir the condensed milk and cold water until smooth. Toss in the pudding mix and whisk hard until there are no clumps. Cover it up and let it sit in the fridge for about 4 hours to thicken.
02 -
In another big bowl, beat the heavy cream until it starts to hold soft peaks. Add the marshmallow fluff and keep whipping until you've got stiff peaks.
03 -
Slowly fold the whipped cream into the chilled pudding mixture in small amounts to keep the fluffiness intact. Keep folding until everything looks mixed but not perfect.
04 -
Use a large bowl or a 9x13 dish to layer: start with wafers, then banana slices, and a third of the creamy mixture. Repeat this layering process twice more, finishing with the cream on top.
05 -
Sprinkle some crushed wafers on top if you'd like. Let it rest in the fridge for at least 4 more hours before digging in.