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 f15366bfce..c164374c26 100644
--- a/refs.c
+++ b/refs.c
@@ -1237,7 +1237,7 @@ int ref_transaction_maybe_set_rejected(struct ref_transaction *transaction,
 		return 0;
 
 	if (!transaction->rejections)
-		BUG("transaction not inititalized with failure support");
+		BUG("transaction not initialized with failure support");
 
 	/*
 	 * Don't accept generic errors, since these errors are not user
@@ -1246,6 +1246,13 @@ int ref_transaction_maybe_set_rejected(struct ref_transaction *transaction,
 	if (err == REF_TRANSACTION_ERROR_GENERIC)
 		return 0;
 
+	/*
+	 * Rejected refnames shouldn't be considered in the availability
+	 * checks, so remove them from the list.
+	 */
+	string_list_remove(&transaction->refnames,
+			   transaction->updates[update_idx]->refname, 0);
+
 	transaction->updates[update_idx]->rejection_err = err;
 	ALLOC_GROW(transaction->rejections->update_indices,
 		   transaction->rejections->nr + 1,
@@ -3330,6 +3337,8 @@ 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 f29e486e33..bc5d8427a5 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 1b3bf26add..bc3347d18c 100644
--- a/refs/files-backend.c
+++ b/refs/files-backend.c
@@ -653,6 +653,26 @@ 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,
@@ -683,16 +703,17 @@ 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;
@@ -782,6 +803,24 @@ retry:
 			goto retry;
 		} else {
 			unable_to_lock_message(ref_file.buf, myerr, err);
+			if (myerr == EEXIST) {
+				if (ignore_case &&
+				    transaction_has_case_conflicting_update(transaction, update)) {
+					/*
+					 * In case-insensitive filesystems, ensure that conflicts within a
+					 * given transaction are handled. Pre-existing refs on a
+					 * case-insensitive system will be overridden without any issue.
+					 */
+					ret = REF_TRANSACTION_ERROR_CASE_CONFLICT;
+				} else {
+					/*
+					 * Pre-existing case-conflicting reference locks should also be
+					 * specially categorized to avoid failing all batched updates.
+					 */
+					ret = REF_TRANSACTION_ERROR_CREATE_EXISTS;
+				}
+			}
+
 			goto error_return;
 		}
 	}
@@ -837,6 +876,7 @@ retry:
 				goto error_return;
 			} else if (remove_dir_recursively(&ref_file,
 							  REMOVE_DIR_EMPTY_ONLY)) {
+				ret = REF_TRANSACTION_ERROR_NAME_CONFLICT;
 				if (refs_verify_refname_available(
 						    &refs->base, refname,
 						    extras, NULL, 0, err)) {
@@ -844,14 +884,14 @@ retry:
 					 * The error message set by
 					 * verify_refname_available() is OK.
 					 */
-					ret = REF_TRANSACTION_ERROR_NAME_CONFLICT;
 					goto error_return;
 				} else {
 					/*
-					 * We can't delete the directory,
-					 * but we also don't know of any
-					 * references that it should
-					 * contain.
+					 * Directory conflicts can occur if there
+					 * is an existing lock file in the directory
+					 * or if the filesystem is case-insensitive
+					 * and the directory contains a valid reference
+					 * but conflicts with the update.
 					 */
 					strbuf_addf(err, "there is a non-empty directory '%s' "
 						    "blocking reference '%s'",
@@ -873,8 +913,23 @@ retry:
 		 * If the ref did not exist and we are creating it, we have to
 		 * make sure there is no existing packed ref that conflicts
 		 * with refname. This check is deferred so that we can batch it.
+		 *
+		 * For case-insensitive filesystems, we should also check for F/D
+		 * conflicts between 'foo' and 'Foo/bar'. So let's lowercase
+		 * the refname.
 		 */
-		item = string_list_append(refnames_to_check, refname);
+		if (ignore_case) {
+			struct strbuf lower = STRBUF_INIT;
+
+			strbuf_addstr(&lower, refname);
+			strbuf_tolower(&lower);
+
+			item = string_list_append_nodup(refnames_to_check,
+							strbuf_detach(&lower, NULL));
+		} else {
+			item = string_list_append(refnames_to_check, refname);
+		}
+
 		item->util = xmalloc(sizeof(update_idx));
 		memcpy(item->util, &update_idx, sizeof(update_idx));
 	}
@@ -2616,9 +2671,8 @@ 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;
 
@@ -2858,7 +2912,7 @@ static int files_transaction_prepare(struct ref_store *ref_store,
 			       "ref_transaction_prepare");
 	size_t i;
 	int ret = 0;
-	struct string_list refnames_to_check = STRING_LIST_INIT_NODUP;
+	struct string_list refnames_to_check = STRING_LIST_INIT_DUP;
 	char *head_ref = NULL;
 	int head_type;
 	struct files_transaction_backend_data *backend_data;
diff --git a/t/t1400-update-ref.sh b/t/t1400-update-ref.sh
index b7415ec9d5..db7f5444da 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 83d1aadf9f..b7059cccaa 100755
--- a/t/t5510-fetch.sh
+++ b/t/t5510-fetch.sh
@@ -45,7 +45,25 @@ 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
+	) &&
+	git clone --ref-format=reftable . case_sensitive_fd &&
+	(
+		cd case_sensitive_fd &&
+		git branch foo/bar &&
+		git branch Foo
+	) &&
+	git clone --ref-format=reftable . case_sensitive_df &&
+	(
+		cd case_sensitive_df &&
+		git branch Foo/bar &&
+		git branch foo
+	)
 '
 
 test_expect_success "fetch test" '
@@ -1465,6 +1483,100 @@ 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_expect_success REFFILES 'existing reference lock in repo' '
+	test_when_finished rm -rf base repo &&
+	(
+		git init --ref-format=reftable base &&
+		cd base &&
+		echo >file update &&
+		git add . &&
+		git commit -m "updated" &&
+		git branch -M main &&
+
+		git update-ref refs/heads/foo @ &&
+		git update-ref refs/heads/branch @ &&
+		cd .. &&
+
+		git init --ref-format=files --bare repo &&
+		cd repo &&
+		git remote add origin ../base &&
+		touch refs/heads/foo.lock &&
+		test_must_fail git fetch -f origin "refs/heads/*:refs/heads/*" 2>err &&
+		test_grep "error: fetching ref refs/heads/foo failed: reference already exists" err &&
+		git rev-parse refs/heads/main >expect &&
+		git rev-parse refs/heads/branch >actual &&
+		test_cmp expect actual
+	)
+'
+
+test_expect_success CASE_INSENSITIVE_FS,REFFILES 'F/D conflict on case insensitive filesystem' '
+	test_when_finished rm -rf case_insensitive &&
+	(
+		git init --bare case_insensitive &&
+		cd case_insensitive &&
+		git remote add origin -- ../case_sensitive_fd &&
+		test_must_fail git fetch -f origin "refs/heads/*:refs/heads/*" 2>err &&
+		test_grep "failed: refname conflict" err &&
+		git rev-parse refs/heads/main >expect &&
+		git rev-parse refs/heads/foo/bar >actual &&
+		test_cmp expect actual
+	)
+'
+
+test_expect_success CASE_INSENSITIVE_FS,REFFILES 'D/F conflict on case insensitive filesystem' '
+	test_when_finished rm -rf case_insensitive &&
+	(
+		git init --bare case_insensitive &&
+		cd case_insensitive &&
+		git remote add origin -- ../case_sensitive_df &&
+		test_must_fail git fetch -f origin "refs/heads/*:refs/heads/*" 2>err &&
+		test_grep "failed: refname conflict" err &&
+		git rev-parse refs/heads/main >expect &&
+		git rev-parse refs/heads/Foo/bar >actual &&
+		test_cmp expect actual
+	)
+'
+
+test_expect_success REFFILES 'D/F conflict on case sensitive filesystem with lock' '
+	(
+		git init --ref-format=reftable base &&
+		cd base &&
+		echo >file update &&
+		git add . &&
+		git commit -m "updated" &&
+		git branch -M main &&
+
+		git update-ref refs/heads/foo @ &&
+		git update-ref refs/heads/branch @ &&
+		cd .. &&
+
+		git init --ref-format=files --bare repo &&
+		cd repo &&
+		git remote add origin ../base &&
+		mkdir refs/heads/foo &&
+		touch refs/heads/foo/random.lock &&
+		test_must_fail git fetch origin "refs/heads/*:refs/heads/*" 2>err &&
+		test_grep "some local refs could not be updated; try running" err &&
+		git rev-parse refs/heads/main >expect &&
+		git rev-parse refs/heads/branch >actual &&
+		test_cmp expect actual
+	)
+'
+
 . "$TEST_DIRECTORY"/lib-httpd.sh
 start_httpd