Accurately rendering scenes with reflective surfaces remains a significant challenge in novel view synthesis, as existing methods like Neural Radiance Fields (NeRF) and 3D Gaussian Splatting (3DGS) often misinterpret reflections as physical geometry, resulting in degraded reconstructions. Previous methods rely on incomplete and non-generalizable geometric constraints, leading to misalignment between the positions of Gaussian splats and the actual scene geometry. When dealing with real-world scenes containing complex geometry, the accumulation of Gaussians further exacerbates surface artifacts and results in blurred reconstructions. To address these limitations, in this work, we propose Ref-Unlock, a novel geometry-aware reflection modeling framework based on 3D Gaussian Splatting, which explicitly disentangles transmitted and reflected components to better capture complex reflections and enhance geometric consistency in real-world scenes. Our approach employs a dual-branch representation with high-order spherical harmonics to capture high-frequency reflective details, alongside a reflection removal module providing pseudo reflection-free supervision to guide clean decomposition. Additionally, we incorporate pseudo-depth maps and a geometry-aware bilateral smoothness constraint to enhance 3D geometric consistency and stability in decomposition. Extensive experiments demonstrate that Ref-Unlock significantly outperforms classical GS-based reflection methods and achieves competitive results with NeRF-based models, while enabling flexible vision foundation models (VFMs) driven reflection editing. Our method thus offers an efficient and generalizable solution for realistic rendering of reflective scenes. Our code is available at https://ref-unlock.github.io/.