Banky team Reviewed editorial answerAccording to InstaPay's current official FAQ, an IPA cannot be changed once created.
Key points
Therefore, choose your IPA carefully before confirming it and don't consider it a temporary username that you can edit later.
If you need to verify that an IPA is assigned to a specific account, refer to the "Manage Accounts" section within the app.
Since this is an operational feature that may change in the future, your bank's page should periodically check the official source instead of fixing the information permanently.
The figures, fees and limits in this answer vary by bank and change over time — confirm them with your bank or the official source before acting.