diff --git a/fs/crypto/inline_crypt.c b/fs/crypto/inline_crypt.c
index 40de69860dcf9..b75c69c09500b 100644
--- a/fs/crypto/inline_crypt.c
+++ b/fs/crypto/inline_crypt.c
@@ -261,17 +261,22 @@ static void fscrypt_generate_dun(const struct fscrypt_inode_info *ci,
  *
  * Normally the bio should be newly allocated (i.e. no pages added yet), as
  * otherwise fscrypt_mergeable_bio() won't work as intended.
  *
  * The encryption context will be freed automatically when the bio is freed.
+ *
+ * This function also handles setting bi_skip_dm_default_key when needed.
  */
 void fscrypt_set_bio_crypt_ctx(struct bio *bio, const struct inode *inode,
 			       u64 first_lblk, gfp_t gfp_mask)
 {
 	const struct fscrypt_inode_info *ci;
 	u64 dun[BLK_CRYPTO_DUN_ARRAY_SIZE];
 
+	if (fscrypt_inode_should_skip_dm_default_key(inode))
+		bio_set_skip_dm_default_key(bio);
+
 	if (!fscrypt_inode_uses_inline_crypto(inode))
 		return;
 	ci = inode->i_crypt_info;
 
 	fscrypt_generate_dun(ci, first_lblk, dun);
@@ -342,20 +347,26 @@ EXPORT_SYMBOL_GPL(fscrypt_set_bio_crypt_ctx_bh);
  *
  * This function isn't required in cases where crypto-mergeability is ensured in
  * another way, such as I/O targeting only a single file (and thus a single key)
  * combined with fscrypt_limit_io_blocks() to ensure DUN contiguity.
  *
+ * This function also returns false if the next part of the I/O would need to
+ * have a different value for the bi_skip_dm_default_key flag.
+ *
  * Return: true iff the I/O is mergeable
  */
 bool fscrypt_mergeable_bio(struct bio *bio, const struct inode *inode,
 			   u64 next_lblk)
 {
 	const struct bio_crypt_ctx *bc = bio->bi_crypt_context;
 	u64 next_dun[BLK_CRYPTO_DUN_ARRAY_SIZE];
 
 	if (!!bc != fscrypt_inode_uses_inline_crypto(inode))
 		return false;
+	if (bio_should_skip_dm_default_key(bio) !=
+	    fscrypt_inode_should_skip_dm_default_key(inode))
+		return false;
 	if (!bc)
 		return true;
 
 	/*
 	 * Comparing the key pointers is good enough, as all I/O for each key
@@ -385,11 +396,12 @@ bool fscrypt_mergeable_bio_bh(struct bio *bio,
 {
 	const struct inode *inode;
 	u64 next_lblk;
 
 	if (!bh_get_inode_and_lblk_num(next_bh, &inode, &next_lblk))
-		return !bio->bi_crypt_context;
+		return !bio->bi_crypt_context &&
+		       !bio_should_skip_dm_default_key(bio);
 
 	return fscrypt_mergeable_bio(bio, inode, next_lblk);
 }
 EXPORT_SYMBOL_GPL(fscrypt_mergeable_bio_bh);
 
diff --git a/fs/f2fs/data.c b/fs/f2fs/data.c
index 94f7b084f6016..a413508210994 100644
--- a/fs/f2fs/data.c
+++ b/fs/f2fs/data.c
@@ -484,10 +484,12 @@ static void f2fs_set_bio_crypt_ctx(struct bio *bio, const struct inode *inode,
 	 * The f2fs garbage collector sets ->encrypted_page when it wants to
 	 * read/write raw data without encryption.
 	 */
 	if (!fio || !fio->encrypted_page)
 		fscrypt_set_bio_crypt_ctx(bio, inode, first_idx, gfp_mask);
+	else if (fscrypt_inode_should_skip_dm_default_key(inode))
+		bio_set_skip_dm_default_key(bio);
 }
 
 static bool f2fs_crypt_mergeable_bio(struct bio *bio, const struct inode *inode,
 				     pgoff_t next_idx,
 				     const struct f2fs_io_info *fio)
@@ -495,11 +497,13 @@ static bool f2fs_crypt_mergeable_bio(struct bio *bio, const struct inode *inode,
 	/*
 	 * The f2fs garbage collector sets ->encrypted_page when it wants to
 	 * read/write raw data without encryption.
 	 */
 	if (fio && fio->encrypted_page)
-		return !bio_has_crypt_ctx(bio);
+		return !bio_has_crypt_ctx(bio) &&
+			(bio_should_skip_dm_default_key(bio) ==
+			 fscrypt_inode_should_skip_dm_default_key(inode));
 
 	return fscrypt_mergeable_bio(bio, inode, next_idx);
 }
 
 void f2fs_submit_read_bio(struct f2fs_sb_info *sbi, struct bio *bio,
diff --git a/include/linux/fscrypt.h b/include/linux/fscrypt.h
index 772f822dc6b82..eac1917db79a9 100644
--- a/include/linux/fscrypt.h
+++ b/include/linux/fscrypt.h
@@ -890,10 +890,24 @@ static inline u64 fscrypt_limit_io_blocks(const struct inode *inode, u64 lblk,
 {
 	return nr_blocks;
 }
 #endif /* !CONFIG_FS_ENCRYPTION_INLINE_CRYPT */
 
+#if IS_ENABLED(CONFIG_FS_ENCRYPTION) && IS_ENABLED(CONFIG_DM_DEFAULT_KEY)
+static inline bool
+fscrypt_inode_should_skip_dm_default_key(const struct inode *inode)
+{
+	return IS_ENCRYPTED(inode) && S_ISREG(inode->i_mode);
+}
+#else
+static inline bool
+fscrypt_inode_should_skip_dm_default_key(const struct inode *inode)
+{
+	return false;
+}
+#endif
+
 /**
  * fscrypt_inode_uses_inline_crypto() - test whether an inode uses inline
  *					encryption
  * @inode: an inode. If encrypted, its key must be set up.
  *
