diff --git a/builtin/fetch.c b/builtin/fetch.c
index ac29c2b1ae3..7fdbfee5c93 100644
--- a/builtin/fetch.c
+++ b/builtin/fetch.c
@@ -885,7 +885,6 @@ static int update_local_ref(struct ref *ref,
 			    struct worktree **worktrees)
 {
 	struct commit *current = NULL, *updated;
-	const struct worktree *wt;
 	const char *pretty_ref = prettify_refname(ref->name);
 	int fast_forward = 0;
 
@@ -900,16 +899,14 @@ static int update_local_ref(struct ref *ref,
 	}
 
 	if (!update_head_ok &&
-	    (wt = find_shared_symref(worktrees, "HEAD", ref->name)) &&
-	    !wt->is_bare && !is_null_oid(&ref->old_oid)) {
+	    !is_null_oid(&ref->old_oid) &&
+	    branch_checked_out(ref->name)) {
 		/*
 		 * If this is the head, and it's not okay to update
 		 * the head, and the old value of the head isn't empty...
 		 */
 		format_display(display, '!', _("[rejected]"),
-			       wt->is_current ?
-				       _("can't fetch in current branch") :
-				       _("checked out in another worktree"),
+			       _("can't fetch into checked-out branch"),
 			       remote, pretty_ref, summary_width);
 		return 1;
 	}
@@ -1434,19 +1431,16 @@ cleanup:
 	return result;
 }
 
-static void check_not_current_branch(struct ref *ref_map,
-				     struct worktree **worktrees)
+static void check_not_current_branch(struct ref *ref_map)
 {
-	const struct worktree *wt;
+	const char *path;
 	for (; ref_map; ref_map = ref_map->next)
 		if (ref_map->peer_ref &&
 		    starts_with(ref_map->peer_ref->name, "refs/heads/") &&
-		    (wt = find_shared_symref(worktrees, "HEAD",
-					     ref_map->peer_ref->name)) &&
-		    !wt->is_bare)
+		    (path = branch_checked_out(ref_map->peer_ref->name)))
 			die(_("refusing to fetch into branch '%s' "
 			      "checked out at '%s'"),
-			    ref_map->peer_ref->name, wt->path);
+			    ref_map->peer_ref->name, path);
 }
 
 static int truncate_fetch_head(void)
@@ -1650,7 +1644,7 @@ static int do_fetch(struct transport *transport,
 	ref_map = get_ref_map(transport->remote, remote_refs, rs,
 			      tags, &autotags);
 	if (!update_head_ok)
-		check_not_current_branch(ref_map, worktrees);
+		check_not_current_branch(ref_map);
 
 	retcode = open_fetch_head(&fetch_head);
 	if (retcode)
diff --git a/t/t2407-worktree-heads.sh b/t/t2407-worktree-heads.sh
index a838f2be474..1fbde05fe2b 100755
--- a/t/t2407-worktree-heads.sh
+++ b/t/t2407-worktree-heads.sh
@@ -15,6 +15,21 @@ test_expect_success 'setup' '
 		test_commit $i &&
 		git branch wt-$i &&
 		git worktree add wt-$i wt-$i || return 1
+	done &&
+
+	# Create a server that updates each branch by one commit
+	git init server &&
+	test_commit -C server initial &&
+	git remote add server ./server &&
+	for i in 1 2 3 4
+	do
+		git -C server checkout -b wt-$i &&
+		test_commit -C server A-$i || return 1
+	done &&
+	for i in 1 2
+	do
+		git -C server checkout -b fake-$i &&
+		test_commit -C server f-$i || return 1
 	done
 '
 
@@ -48,4 +63,36 @@ test_expect_success 'refuse to overwrite: worktree in rebase' '
 	grep "cannot force update the branch '\''fake-1'\'' checked out at.*wt-3" err
 '
 
+test_expect_success !SANITIZE_LEAK 'refuse to fetch over ref: checked out' '
+	test_must_fail git fetch server +refs/heads/wt-3:refs/heads/wt-3 2>err &&
+	grep "refusing to fetch into branch '\''refs/heads/wt-3'\''" err &&
+
+	# General fetch into refs/heads/ will fail on first ref,
+	# so use a generic error message check.
+	test_must_fail git fetch server +refs/heads/*:refs/heads/* 2>err &&
+	grep "refusing to fetch into branch" err
+'
+
+test_expect_success !SANITIZE_LEAK 'refuse to fetch over ref: worktree in bisect' '
+	test_when_finished rm -rf .git/worktrees/wt-*/BISECT_* &&
+
+	touch .git/worktrees/wt-4/BISECT_LOG &&
+	echo refs/heads/fake-2 >.git/worktrees/wt-4/BISECT_START &&
+
+	test_must_fail git fetch server +refs/heads/fake-2:refs/heads/fake-2 2>err &&
+	grep "refusing to fetch into branch" err
+'
+
+test_expect_success !SANITIZE_LEAK 'refuse to fetch over ref: worktree in rebase' '
+	test_when_finished rm -rf .git/worktrees/wt-*/rebase-merge &&
+
+	mkdir -p .git/worktrees/wt-4/rebase-merge &&
+	touch .git/worktrees/wt-4/rebase-merge/interactive &&
+	echo refs/heads/fake-1 >.git/worktrees/wt-4/rebase-merge/head-name &&
+	echo refs/heads/fake-2 >.git/worktrees/wt-4/rebase-merge/onto &&
+
+	test_must_fail git fetch server +refs/heads/fake-1:refs/heads/fake-1 2>err &&
+	grep "refusing to fetch into branch" err
+'
+
 test_done
