Make the pudding: In a mixing bowl, whisk instant pudding mix with cold milk for 2 minutes until thick. Set in the fridge to firm up for 5–10 minutes.
Whip the cream: Beat heavy cream, powdered sugar, vanilla, and a pinch of salt to soft peaks. Do not over-whip.
Fold half of the whipped cream into the pudding to make it extra silky. Reserve the rest for topping.
Prep the cookies and bananas: Crush Biscoff cookies into small chunks (not dust). Slice bananas just before layering to keep them fresh.
Warm the cookie butter (optional): Microwave for 10–15 seconds to loosen for drizzling.
Layer the cups: Add a spoonful of crushed Biscoff to the bottom of each cup.
Top with a layer of pudding, a few banana slices, and a drizzle of cookie butter. Repeat once more.
Finish with cream: Pipe or spoon the remaining whipped cream on top. Sprinkle with extra cookie crumbs for crunch.
Chill: Cover and refrigerate for at least 1 hour (up to 6 hours) to set and let flavors blend.
Serve: Enjoy cold.
Add fresh banana slices on top right before serving for a bright look.