In a large bowl, whisk together the pudding mix and cold milk. Let sit for 5 minutes until it thickens.
Gently fold in the cool whip until totally mixed.
Crush the Biscoff cookies into ½-1 inch pieces. I do this in a bowl with a muddler or a potato masher. It's OK if there are some crumbs, you'll use those as a topping.
Fold in the crushed Biscoff cookies (save the crumbs for later) and 2 sliced bananas.
Arrange Biscoff cookies at the bottom of your serving dish, or place 1-2 cookies at the bottom of your ramekins. Scoop pudding on top.
Right before serving, place banana slices on top and sprinkle with Biscoff crumbs. Serve immediately.
Notes
This recipe works really well with the cheesecake flavor of Jello pudding mix. You might want to skip the bananas completely for that one.
Any kind of milk works here. Full-fat dairy milk will yield a thicker richer pudding.
If you don't know how to "fold in" cool whip and Biscoff, watch the video on this blog post!
If you don't have a muddler or a potato masher, you can add the Biscoff cookies to a ziplock bag and crush them up.
Make-ahead tips: I like to fold in the Biscoff cookies a couple of hours before serving, as they soften a lot in the pudding. It's still delicious 24 and even 48 hours later, but the cookies will be totally soft. If making this pudding ahead of time, combine the pudding and coolwhip together and store in the fridge covered, then stir in the Biscoff and bananas the day of your party.
Drizzle a little cookie butteron top for a little more sweetness.