Get a large bowl for the base mix. Pour in the cold water and condensed milk. Whisk them together until they are very smooth.

Add the instant vanilla pudding mix now. Whisk the mixture for about two minutes. Make sure there are no lumps left inside.

Cover the bowl with some plastic wrap. Place the bowl in the fridge now. Let it set for at least five minutes.

Pour the heavy cream into another cold bowl. Use your hand mixer on a high speed. Whip the cream until it is very thick.

Take the pudding mix out of the fridge. Gently fold the whipped cream into the pudding. Use a spatula for a light touch here.

Line the bottom of your dish with wafers. Place them in a single even layer. This creates the base of your dessert.

Slice your bananas into small round pieces. Place them on top of the vanilla wafers. Cover the cookies completely with the fruit.

Spread half of the pudding over the bananas. Use your spatula to make it very smooth. Ensure it reaches all the dish corners.

Repeat the layers once more with more wafers. Add more bananas and the rest of the pudding. The top should be white and creamy.

Crush a few extra wafers for a garnish. Sprinkle the crumbs over the very top layer. This adds a nice bit of texture.

Cover the dish and put it in fridge. Let it chill for four to six hours. This allows the wafers to get soft.