diff --git a/lib/bundler/cli/init.rb b/lib/bundler/cli/init.rb
index e4f8229c48..bc96507c29 100644
--- a/lib/bundler/cli/init.rb
+++ b/lib/bundler/cli/init.rb
@@ -32,7 +32,11 @@ module Bundler
           file << spec.to_gemfile
         end
       else
-        FileUtils.cp(File.expand_path("../templates/#{gemfile}", __dir__), gemfile)
+        File.open(File.expand_path("../templates/#{gemfile}", __dir__), "r") do |template|
+          File.open(gemfile, "wb") do |destination|
+            IO.copy_stream(template, destination)
+          end
+        end
       end
 
       puts "Writing new #{gemfile} to #{SharedHelpers.pwd}/#{gemfile}"
diff --git a/spec/bundler/commands/init_spec.rb b/spec/bundler/commands/init_spec.rb
index eaf8fa170a..9c499b99a1 100644
--- a/spec/bundler/commands/init_spec.rb
+++ b/spec/bundler/commands/init_spec.rb
@@ -7,6 +7,29 @@ RSpec.describe "bundle init" do
     expect(bundled_app_gemfile).to be_file
   end
 
+  context "with a template with permission flags not matching current process umask" do
+    let(:template_file) do
+      gemfile = Bundler.preferred_gemfile_name
+      templates_dir.join(gemfile)
+    end
+
+    let(:target_dir) { bundled_app("init_permissions_test") }
+
+    around do |example|
+      old_chmod = File.stat(template_file).mode
+      FileUtils.chmod(old_chmod | 0o111, template_file) # chmod +x
+      example.run
+      FileUtils.chmod(old_chmod, template_file)
+    end
+
+    it "honours the current process umask when generating from a template" do
+      FileUtils.mkdir(target_dir)
+      bundle :init, :dir => target_dir
+      generated_mode = File.stat(File.join(target_dir, "Gemfile")).mode & 0o111
+      expect(generated_mode).to be_zero
+    end
+  end
+
   context "when a Gemfile already exists" do
     before do
       create_file "Gemfile", <<-G
diff --git a/spec/bundler/support/path.rb b/spec/bundler/support/path.rb
index a39e46c78a..7443e78d52 100644
--- a/spec/bundler/support/path.rb
+++ b/spec/bundler/support/path.rb
@@ -312,6 +312,10 @@ module Spec
       source_root.join("tool/bundler")
     end
 
+    def templates_dir
+      lib_dir.join("bundler", "templates")
+    end
+
     extend self
   end
 end