Prepare the Dream Whip according to the package directions and set aside.
In a large bowl, combine the vanilla pudding powder or custard powder with the sweetened condensed milk and 1/4 cup milk. Mix until smooth and creamy.
Fold the prepared Dream Whip into the pudding mixture gently until fully combined and fluffy.
In a serving dish, spread a layer of the pudding mixture.
Add a layer of Ulker Finger biscuits.
Add a layer of sliced bananas.
Repeat the layers until all ingredients are used.
Finish with pudding mixture on top and crushed biscuits if desired.
Refrigerate for at least 3 hours before serving. For best texture, chill overnight.