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The victory secured United’s first Premier League win of the season.
Following a dismal 2–0 defeat to Hull, Michael Carrick made four changes, handing Marcus Rashford his first start in nearly two years and recalling Kobbie Mainoo.
United’s defensive vulnerabilities struck again early on. After Senne Lammens denied Julio Enciso one-on-one, Ipswich took a 29th-minute lead when Leif Davis swept home an Abdul Fatawu cross.
Davis nearly added a second soon after, but United responded just before halftime.
Marcelino Nunez gifted possession to Matheus Cunha, allowing Fernandes to smash home an equalizer with his weaker left foot.
The hosts seized control 11 minutes after the restart when Harry Maguire's deflected shot bounced in off Jacob Greaves for an own goal.
The goal stood despite the ball striking Maguire's arm because the initial effort was heading wide.
Greaves' afternoon worsened moments later when he brought down Cunha in the box, allowing Fernandes to calmly convert the resulting penalty.
The Portuguese playmaker completed his hat-trick by reacting quickest to latch onto a deflected Bryan Mbeumo shot.
Fernandes then returned the favor, lofting a precise ball over the top for Mbeumo to chip over goalkeeper Kjell Scherpen.
Although a late defensive error allowed Chuba Akpom to score a consolation goal for Ipswich after Lisandro Martinez was caught in possession, Fernandes' masterclass launched United's campaign in style.