diff --git a/builtin/fetch.c b/builtin/fetch.c
index 24645c4653..c7ff3480fb 100644
--- a/builtin/fetch.c
+++ b/builtin/fetch.c
@@ -1643,7 +1643,8 @@ cleanup:
 
 struct ref_rejection_data {
 	int *retcode;
-	int conflict_msg_shown;
+	bool conflict_msg_shown;
+	bool case_sensitive_msg_shown;
 	const char *remote_name;
 };
 
@@ -1657,11 +1658,25 @@ static void ref_transaction_rejection_handler(const char *refname,
 {
 	struct ref_rejection_data *data = cb_data;
 
-	if (err == REF_TRANSACTION_ERROR_NAME_CONFLICT && !data->conflict_msg_shown) {
+	if (err == REF_TRANSACTION_ERROR_CASE_CONFLICT && ignore_case &&
+	    !data->case_sensitive_msg_shown) {
+		error(_("You're on a case-insensitive filesystem, and the remote you are\n"
+			"trying to fetch from has references that only differ in casing. It\n"
+			"is impossible to store such references with the 'files' backend. You\n"
+			"can either accept this as-is, in which case you won't be able to\n"
+			"store all remote references on disk. Or you can alternatively\n"
+			"migrate your repository to use the 'reftable' backend with the\n"
+			"following command:\n\n    git refs migrate --ref-format=reftable\n\n"
+			"Please keep in mind that not all implementations of Git support this\n"
+			"new format yet. So if you use tools other than Git to access this\n"
+			"repository it may not be an option to migrate to reftables.\n"));
+		data->case_sensitive_msg_shown = true;
+	} else if (err == REF_TRANSACTION_ERROR_NAME_CONFLICT &&
+		   !data->conflict_msg_shown) {
 		error(_("some local refs could not be updated; try running\n"
 			" 'git remote prune %s' to remove any old, conflicting "
 			"branches"), data->remote_name);
-		data->conflict_msg_shown = 1;
+		data->conflict_msg_shown = true;
 	} else {
 		const char *reason = ref_transaction_error_msg(err);
 
diff --git a/refs.c b/refs.c
index bfdbe718b7..4c1c339ed9 100644
--- a/refs.c
+++ b/refs.c
@@ -3321,6 +3321,8 @@ const char *ref_transaction_error_msg(enum ref_transaction_error err)
 		return "invalid new value provided";
 	case REF_TRANSACTION_ERROR_EXPECTED_SYMREF:
 		return "expected symref but found regular ref";
+	case REF_TRANSACTION_ERROR_CASE_CONFLICT:
+		return "reference conflict due to case-insensitive filesystem";
 	default:
 		return "unknown failure";
 	}
diff --git a/refs.h b/refs.h
index eedbb599c5..41915086b3 100644
--- a/refs.h
+++ b/refs.h
@@ -31,6 +31,8 @@ enum ref_transaction_error {
 	REF_TRANSACTION_ERROR_INVALID_NEW_VALUE = -6,
 	/* Expected ref to be symref, but is a regular ref */
 	REF_TRANSACTION_ERROR_EXPECTED_SYMREF = -7,
+	/* Cannot create ref due to case-insensitive filesystem */
+	REF_TRANSACTION_ERROR_CASE_CONFLICT = -8,
 };
 
 /*
diff --git a/refs/files-backend.c b/refs/files-backend.c
index 088b52c740..01df32904b 100644
--- a/refs/files-backend.c
+++ b/refs/files-backend.c
@@ -647,6 +647,26 @@ static void unlock_ref(struct ref_lock *lock)
 	}
 }
 
+/*
+ * Check if the transaction has another update with a case-insensitive refname
+ * match.
+ *
+ * If the update is part of the transaction, we only check up to that index.
+ * Further updates are expected to call this function to match previous indices.
+ */
+static bool transaction_has_case_conflicting_update(struct ref_transaction *transaction,
+						    struct ref_update *update)
+{
+	for (size_t i = 0; i < transaction->nr; i++) {
+		if (transaction->updates[i] == update)
+			break;
+
+		if (!strcasecmp(transaction->updates[i]->refname, update->refname))
+			return true;
+	}
+	return false;
+}
+
 /*
  * Lock refname, without following symrefs, and set *lock_p to point
  * at a newly-allocated lock object. Fill in lock->old_oid, referent,
@@ -677,16 +697,17 @@ static void unlock_ref(struct ref_lock *lock)
  * - Generate informative error messages in the case of failure
  */
 static enum ref_transaction_error lock_raw_ref(struct files_ref_store *refs,
-					       struct ref_update *update,
+					       struct ref_transaction *transaction,
 					       size_t update_idx,
 					       int mustexist,
 					       struct string_list *refnames_to_check,
-					       const struct string_list *extras,
 					       struct ref_lock **lock_p,
 					       struct strbuf *referent,
 					       struct strbuf *err)
 {
 	enum ref_transaction_error ret = REF_TRANSACTION_ERROR_GENERIC;
+	struct ref_update *update = transaction->updates[update_idx];
+	const struct string_list *extras = &transaction->refnames;
 	const char *refname = update->refname;
 	unsigned int *type = &update->type;
 	struct ref_lock *lock;
@@ -776,6 +797,9 @@ retry:
 			goto retry;
 		} else {
 			unable_to_lock_message(ref_file.buf, myerr, err);
+			if (myerr == EEXIST && ignore_case &&
+			    transaction_has_case_conflicting_update(transaction, update))
+				ret = REF_TRANSACTION_ERROR_CASE_CONFLICT;
 			goto error_return;
 		}
 	}
@@ -2583,9 +2607,8 @@ static enum ref_transaction_error lock_ref_for_update(struct files_ref_store *re
 	if (lock) {
 		lock->count++;
 	} else {
-		ret = lock_raw_ref(refs, update, update_idx, mustexist,
-				   refnames_to_check, &transaction->refnames,
-				   &lock, &referent, err);
+		ret = lock_raw_ref(refs, transaction, update_idx, mustexist,
+				   refnames_to_check, &lock, &referent, err);
 		if (ret) {
 			char *reason;
 
diff --git a/t/t1400-update-ref.sh b/t/t1400-update-ref.sh
index 96648a6e5d..08d5df2af7 100755
--- a/t/t1400-update-ref.sh
+++ b/t/t1400-update-ref.sh
@@ -2294,6 +2294,59 @@ do
 		)
 	'
 
+	test_expect_success CASE_INSENSITIVE_FS,REFFILES "stdin $type batch-updates existing reference" '
+		git init repo &&
+		test_when_finished "rm -fr repo" &&
+		(
+			cd repo &&
+			test_commit one &&
+			old_head=$(git rev-parse HEAD) &&
+			test_commit two &&
+			head=$(git rev-parse HEAD) &&
+
+			{
+				format_command $type "create refs/heads/foo" "$head" &&
+				format_command $type "create refs/heads/ref" "$old_head" &&
+				format_command $type "create refs/heads/Foo" "$old_head"
+			} >stdin &&
+			git update-ref $type --stdin --batch-updates <stdin >stdout &&
+
+			echo $head >expect &&
+			git rev-parse refs/heads/foo >actual &&
+			echo $old_head >expect &&
+			git rev-parse refs/heads/ref >actual &&
+			test_cmp expect actual &&
+			test_grep -q "reference conflict due to case-insensitive filesystem" stdout
+		)
+	'
+
+	test_expect_success CASE_INSENSITIVE_FS "stdin $type batch-updates existing reference" '
+		git init --ref-format=reftable repo &&
+		test_when_finished "rm -fr repo" &&
+		(
+			cd repo &&
+			test_commit one &&
+			old_head=$(git rev-parse HEAD) &&
+			test_commit two &&
+			head=$(git rev-parse HEAD) &&
+
+			{
+				format_command $type "create refs/heads/foo" "$head" &&
+				format_command $type "create refs/heads/ref" "$old_head" &&
+				format_command $type "create refs/heads/Foo" "$old_head"
+			} >stdin &&
+			git update-ref $type --stdin --batch-updates <stdin >stdout &&
+
+			echo $head >expect &&
+			git rev-parse refs/heads/foo >actual &&
+			echo $old_head >expect &&
+			git rev-parse refs/heads/ref >actual &&
+			test_cmp expect actual &&
+			git rev-parse refs/heads/Foo >actual &&
+			test_cmp expect actual
+		)
+	'
+
 	test_expect_success "stdin $type batch-updates delete incorrect symbolic ref" '
 		git init repo &&
 		test_when_finished "rm -fr repo" &&
diff --git a/t/t5510-fetch.sh b/t/t5510-fetch.sh
index ebc696546b..57f60da81b 100755
--- a/t/t5510-fetch.sh
+++ b/t/t5510-fetch.sh
@@ -47,7 +47,13 @@ test_expect_success "clone and setup child repos" '
 		git config set branch.main.merge refs/heads/one
 	) &&
 	git clone . bundle &&
-	git clone . seven
+	git clone . seven &&
+	git clone --ref-format=reftable . case_sensitive &&
+	(
+		cd case_sensitive &&
+		git branch branch1 &&
+		git branch bRanch1
+	)
 '
 
 test_expect_success "fetch test" '
@@ -1526,6 +1532,20 @@ test_expect_success SYMLINKS 'clone does not get confused by a D/F conflict' '
 	test_path_is_missing whoops
 '
 
+test_expect_success CASE_INSENSITIVE_FS,REFFILES 'existing references in a case insensitive filesystem' '
+	test_when_finished rm -rf case_insensitive &&
+	(
+		git init --bare case_insensitive &&
+		cd case_insensitive &&
+		git remote add origin -- ../case_sensitive &&
+		test_must_fail git fetch -f origin "refs/heads/*:refs/heads/*" 2>err &&
+		test_grep "You${SQ}re on a case-insensitive filesystem" err &&
+		git rev-parse refs/heads/main >expect &&
+		git rev-parse refs/heads/branch1 >actual &&
+		test_cmp expect actual
+	)
+'
+
 . "$TEST_DIRECTORY"/lib-httpd.sh
 start_httpd