diff --git a/StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/PaymentMethodType.swift b/StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/PaymentMethodType.swift
index 441fc76b6ac..486a29d526e 100644
--- a/StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/PaymentMethodType.swift
+++ b/StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/PaymentMethodType.swift
@@ -459,6 +459,6 @@ extension STPPaymentMethodParams {
 extension PaymentElementConfiguration {
     var isEligibleForBankTab: Bool {
         billingDetailsCollectionConfiguration.email != .never ||
-        defaultBillingDetails.email?.isEmpty == false
+        (defaultBillingDetails.email?.isEmpty == false && billingDetailsCollectionConfiguration.attachDefaultsToPaymentMethod)
     }
 }
diff --git a/StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/USBankAccount/InstantDebitsPaymentMethodElement.swift b/StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/USBankAccount/InstantDebitsPaymentMethodElement.swift
index 1c7642510f0..ffb2ed1b8a9 100644
--- a/StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/USBankAccount/InstantDebitsPaymentMethodElement.swift
+++ b/StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/USBankAccount/InstantDebitsPaymentMethodElement.swift
@@ -73,7 +73,8 @@ final class InstantDebitsPaymentMethodElement: ContainerElement {
     }
 
     var defaultName: String? {
-        configuration.defaultBillingDetails.name
+        guard configuration.billingDetailsCollectionConfiguration.attachDefaultsToPaymentMethod else { return nil }
+        return configuration.defaultBillingDetails.name
     }
 
     var email: String? {
@@ -81,7 +82,8 @@ final class InstantDebitsPaymentMethodElement: ContainerElement {
     }
 
     var defaultEmail: String? {
-        configuration.defaultBillingDetails.email
+        guard configuration.billingDetailsCollectionConfiguration.attachDefaultsToPaymentMethod else { return nil }
+        return configuration.defaultBillingDetails.email
     }
 
     var phone: String? {
@@ -89,7 +91,8 @@ final class InstantDebitsPaymentMethodElement: ContainerElement {
     }
 
     var defaultPhone: String? {
-        configuration.defaultBillingDetails.phone
+        guard configuration.billingDetailsCollectionConfiguration.attachDefaultsToPaymentMethod else { return nil }
+        return configuration.defaultBillingDetails.phone
     }
 
     var address: PaymentSheet.Address {
@@ -104,7 +107,8 @@ final class InstantDebitsPaymentMethodElement: ContainerElement {
     }
 
     var defaultAddress: PaymentSheet.Address? {
-        configuration.defaultBillingDetails.address
+        guard configuration.billingDetailsCollectionConfiguration.attachDefaultsToPaymentMethod else { return nil }
+        return configuration.defaultBillingDetails.address
     }
 
     var enableCTA: Bool {
diff --git a/StripePaymentSheet/StripePaymentSheetTests/PaymentSheet/PaymentSheetFormFactoryTest.swift b/StripePaymentSheet/StripePaymentSheetTests/PaymentSheet/PaymentSheetFormFactoryTest.swift
index 7b133b8bf7c..6a993f4ceb2 100644
--- a/StripePaymentSheet/StripePaymentSheetTests/PaymentSheet/PaymentSheetFormFactoryTest.swift
+++ b/StripePaymentSheet/StripePaymentSheetTests/PaymentSheet/PaymentSheetFormFactoryTest.swift
@@ -1699,7 +1699,7 @@ class PaymentSheetFormFactoryTest: XCTestCase {
         XCTAssertNil(instantDebitsSection.addressElement)
     }
 
-    func testMakeInstantDebits_defaultValues() {
+    func testMakeInstantDebits_defaultValues_attachDefaultsOff() {
         let defaultAddress = PaymentSheet.Address(
             city: "San Francisco",
             country: "CA",
@@ -1714,6 +1714,40 @@ class PaymentSheetFormFactoryTest: XCTestCase {
         configuration.defaultBillingDetails.email = "foo@bar.com"
         configuration.defaultBillingDetails.phone = "+12345678900"
         configuration.defaultBillingDetails.address = defaultAddress
+        configuration.billingDetailsCollectionConfiguration.attachDefaultsToPaymentMethod = false
+
+        let factory = PaymentSheetFormFactory(
+            intent: ._testPaymentIntent(paymentMethodTypes: [.card]),
+            elementsSession: ._testValue(paymentMethodTypes: ["card"]),
+            configuration: .paymentSheet(configuration),
+            paymentMethod: .stripe(.card)
+        )
+        guard let instantDebitsSection = factory.makeInstantDebits(countries: ["US"]) as? InstantDebitsPaymentMethodElement else {
+            return XCTFail("Expected InstantDebitsPaymentMethodElement from factory")
+        }
+
+        XCTAssertNil(instantDebitsSection.defaultName)
+        XCTAssertNil(instantDebitsSection.defaultEmail)
+        XCTAssertNil(instantDebitsSection.defaultPhone)
+        XCTAssertNil(instantDebitsSection.defaultAddress)
+    }
+
+    func testMakeInstantDebits_defaultValues_attachDefaultsOn() {
+        let defaultAddress = PaymentSheet.Address(
+            city: "San Francisco",
+            country: "CA",
+            line1: "510 Townsend St.",
+            line2: "Line 2",
+            postalCode: "94102",
+            state: "CA"
+        )
+
+        var configuration = PaymentSheet.Configuration()
+        configuration.defaultBillingDetails.name = "Foo Bar"
+        configuration.defaultBillingDetails.email = "foo@bar.com"
+        configuration.defaultBillingDetails.phone = "+12345678900"
+        configuration.defaultBillingDetails.address = defaultAddress
+        configuration.billingDetailsCollectionConfiguration.attachDefaultsToPaymentMethod = true
 
         let factory = PaymentSheetFormFactory(
             intent: ._testPaymentIntent(paymentMethodTypes: [.card]),
diff --git a/StripePaymentSheet/StripePaymentSheetTests/PaymentSheet/PaymentSheetPaymentMethodTypeTest.swift b/StripePaymentSheet/StripePaymentSheetTests/PaymentSheet/PaymentSheetPaymentMethodTypeTest.swift
index 77ab4523042..119e55ae6e6 100644
--- a/StripePaymentSheet/StripePaymentSheetTests/PaymentSheet/PaymentSheetPaymentMethodTypeTest.swift
+++ b/StripePaymentSheet/StripePaymentSheetTests/PaymentSheet/PaymentSheetPaymentMethodTypeTest.swift
@@ -424,6 +424,25 @@ class PaymentSheetPaymentMethodTypeTest: XCTestCase {
         XCTAssertEqual(types, [.stripe(.card), .linkCardBrand])
     }
 
+    func testPaymentMethodTypesLinkCardBrand_noDefaults() {
+        let intent = Intent._testPaymentIntent(paymentMethodTypes: [.card])
+        var configuration = PaymentSheet.Configuration()
+        configuration.billingDetailsCollectionConfiguration.email = .never
+        configuration.billingDetailsCollectionConfiguration.attachDefaultsToPaymentMethod = false
+        configuration.defaultBillingDetails.email = nil
+        let types = PaymentSheet.PaymentMethodType.filteredPaymentMethodTypes(
+            from: intent,
+            elementsSession: ._testValue(
+                intent: intent,
+                linkMode: .linkCardBrand,
+                linkFundingSources: [.card, .bankAccount]
+            ),
+            configuration: configuration
+        )
+        // This configuration should not show the bank tab.
+        XCTAssertEqual(types, [.stripe(.card)])
+    }
+
     // MARK: Other
 
     func testUnknownPMTypeIsUnsupported() {