diff --git a/fs/overlayfs/file.c b/fs/overlayfs/file.c
index 27cc07738f33..f3d97eb146e8 100644
--- a/fs/overlayfs/file.c
+++ b/fs/overlayfs/file.c
@@ -528,6 +528,7 @@ static loff_t ovl_copyfile(struct file *file_in, loff_t pos_in,
 			    struct file *file_out, loff_t pos_out,
 			    loff_t len, unsigned int flags, enum ovl_copyop op)
 {
+	struct inode *inode_in = file_inode(file_in);
 	struct inode *inode_out = file_inode(file_out);
 	struct file *realfile_in, *realfile_out;
 	loff_t ret;
@@ -551,7 +552,20 @@ static loff_t ovl_copyfile(struct file *file_in, loff_t pos_in,
 	if (IS_ERR(realfile_in))
 		goto out_unlock;
 
-	with_ovl_creds(file_inode(file_out)->i_sb) {
+	/*
+	 * For cross-sb copy, vfs_copy_file_range() will verify read access with
+	 * the mounter creds of the dest fs mounter, so we need to explicitly
+	 * verify read access with the source mounter creds.
+	 */
+	if (unlikely(inode_in->i_sb != inode_out->i_sb)) {
+		with_ovl_creds(inode_in->i_sb) {
+			ret = rw_verify_area(READ, realfile_in, &pos_in, len);
+			if (unlikely(ret))
+				goto out_unlock;
+		}
+	}
+
+	with_ovl_creds(inode_out->i_sb) {
 		switch (op) {
 		case OVL_COPY:
 			ret = vfs_copy_file_range(realfile_in, pos_in,