Manage Topstep

How to cancel your topstep trading combine subscription in australia

What is topstep and why traders consider cancelling

Topstep is a funded trader evaluation platform that charges recurring monthly fees to access simulated trading environments called the Trading Combine. Traders pay a subscription fee based on their chosen buying-power tier, and if they pass the evaluation, they may activate a funded account-which triggers additional fees. The service operates as a paid evaluation pathway rather than a traditional brokerage, which means your subscription continues to bill monthly until you actively cancel it.

Many Australian traders sign up hoping to pass the evaluation and secure funding, but some decide to cancel because they've graduated to funded accounts elsewhere, cannot afford the ongoing monthly fees, or have chosen a different trading pathway. Understanding your exact reasons for cancelling helps you decide whether to end your subscription immediately or at the next billing cycle-a choice Topstep gives you.

Common reasons australians cancel topstep

You might be considering cancellation if you've successfully traded elsewhere and no longer need the Combine evaluation, if monthly charges are straining your budget, or if you've experienced technical issues or slow customer support. Some traders also cancel after realising the profit targets or position-size limits don't suit their trading style. Whatever your reason, Stopee is here to guide you through the cancellation process step by step, so you can exit cleanly without unexpected charges.

The subscription trap: why you need to act now

Topstep's billing model automatically renews your subscription each month until you manually cancel. Public reviews from Australian and international traders frequently mention recurring charges continuing after they believed they'd stopped using the service-or after account changes. Your best protection is to cancel proactively and document the cancellation, rather than waiting for billing disputes to resolve themselves. Stopee recommends treating cancellation as an active task, not a passive one.

Topstep subscription pricing in australian dollars

Topstep charges monthly subscription fees in US dollars, which convert to Australian dollars based on the current exchange rate at checkout. Below is a breakdown of the three core Trading Combine tiers and approximate Australian pricing as of early 2026.

These Australian dollar amounts use a mid-market conversion rate of approximately A$1.49-A$1.50 per US$1, current as of January 2026. Your bank or credit card provider may apply a different exchange rate and additional fees. GST or sales tax may also be added at checkout depending on your location and Topstep's tax registration status. Always check your statement after the first charge to confirm the exact amount you're being billed.

How to cancel your topstep subscription step by step

Cancelling Topstep requires you to log into your account and navigate to your billing settings, where you'll choose between cancelling at your next billing cycle or closing your account immediately. Stopee recommends following these steps carefully to avoid delays or missed cancellation requests.

Step-by-step cancellation process

1. Log in to your Topstep Dashboard
   • Visit the Topstep website and enter your email address and password
   • If you've forgotten your password, use the "Forgot password" link to reset it before proceeding
   • Make sure you have two-factor authentication (if enabled) ready to verify your identity
2. Navigate to your account settings
   • Click on your profile icon or menu (usually in the top-right corner of the dashboard)
   • Select "My Profile" or "Account Settings" from the dropdown menu
   • Look for a "Billing" or "Subscription" tab within your profile section
3. Find your active subscription
   • Scroll down to locate your current Trading Combine subscription
   • You'll see the buying-power tier, monthly fee, and next billing date displayed
   • Note the exact next billing date for your records-this is important for refund claims or dispute resolution
4. Access the cancellation menu
   • Look for a three-dot menu icon (⋮) next to your subscription entry
   • Click the three dots to reveal the options menu
   • You should see at least two cancellation choices: "Cancel Subscription" and "Cancel & Close Immediately"
5. Choose your cancellation method
   • "Cancel Subscription" ends your subscription at the next scheduled billing date. You retain access until that date, then your subscription stops renewing.
   • "Cancel & Close Immediately" terminates your subscription right away. Your access to the Trading Combine may end immediately, depending on Topstep's policy.
   • Select the option that matches your needs. Most traders choose "Cancel Subscription" to preserve access until the last paid day.
6. Confirm your cancellation
   • Topstep will ask you to confirm the cancellation-read the confirmation message carefully
   • Click "Confirm" or "Yes, cancel my subscription" to finalize
   • You should see a confirmation message on-screen and receive an email confirmation to your registered address within minutes
7. Save your confirmation details
   • Screenshot the on-screen confirmation and save the confirmation email
   • Note the exact date and time of cancellation for your records
   • Keep these documents for at least 12 months in case you need to dispute a charge or claim a refund

What to do if you cannot find the cancellation option

Warning: If the three-dot menu doesn't appear, your subscription may already be cancelled, or you may not have the right account permissions. Try logging out and logging back in to refresh your session. If the menu still doesn't appear after refresh, contact Topstep support immediately at help@topstep.com or through the help portal at help.topstep.com. Be prepared to provide your account email and the last four digits of your payment method. Pro tip: Write down the exact time and date you contacted support, and save any email confirmation of your support request-this becomes evidence if you later need to escalate a billing dispute.

Understanding your options: cancel at next billing or cancel immediately

Topstep gives you two distinct cancellation paths, and choosing the right one depends on your situation and financial priorities.

Cancel at next billing cycle (recommended for most traders)

Selecting "Cancel Subscription" keeps your account and trading access active until your next monthly billing date. You continue to have full access to the Trading Combine evaluation environment, practice charts, and any funded account features you've already activated. Your subscription simply stops auto-renewing after that final billing date. This option is ideal if you want to use the remaining days of your paid subscription, finish an evaluation attempt, or need a few days to migrate your data or trading records to another platform.

Cancel and close immediately

Selecting "Cancel & Close Immediately" terminates your subscription right away and may revoke your access to the platform within hours or immediately. You stop being charged, but you also lose access to your practice environment, trading history, and any active evaluation attempts. Warning: If you have an active funded account, cancelling the underlying Combine subscription may affect your funded trading privileges. Before choosing immediate cancellation, confirm with Topstep support whether your funded account status will be impacted. This option is best if you've already moved to another broker and have no further need for Topstep's environment.

Your rights to refunds and cancellation under australian consumer law

Australian Consumer Law-enforced by the Australian Competition and Consumer Commission (ACCC)-gives you specific protections when you cancel a subscription. Stopee recommends understanding these rights so you can advocate effectively if Topstep resists cancellation or refuses to refund charges you dispute.

Key consumer protections for recurring charges

Under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010), traders and consumers are protected against misleading or unfair contract terms. Specifically, you have the right to receive clear information about recurring charges before you agree to them, and you must be able to cancel a subscription without unreasonable obstacles. If Topstep makes cancellation deliberately difficult-for example, by hiding the cancellation button or charging a penalty for cancellation-that may constitute an unfair contract term that the ACCC can challenge.

Additionally, if you believe you were charged after requesting cancellation, or if you were never given a simple way to cancel, you can lodge a complaint with the ACCC. You also have the right to dispute charges on your credit card or bank account if you believe they were made without your consent or after you cancelled.

Refunds: when you can ask for your money back

Topstep's refund policy depends on your reason for cancelling and whether you've used the service. Generally, online services are not required to offer refunds simply because you change your mind, unless the service was faulty or didn't match its description. However, you may be entitled to a partial refund or credit if:

• You cancelled mid-month and were charged in full for the rest of the month without consent
• Topstep continued charging you after you submitted a cancellation request (a common complaint)
• Technical issues prevented you from accessing the Trading Combine for a significant period
• You were misled about what the subscription includes or how easy it is to cancel

Pro tip: If you believe you deserve a refund, contact Topstep's billing support first and explain your situation clearly. Request a refund email in writing, and keep a copy. If Topstep refuses, you can escalate to the ACCC or dispute the charge with your bank using a chargeback claim. Stopee recommends always requesting written communication so you have evidence of your request.

Common cancellation mistakes and how to avoid them

Cancelling a trading subscription can feel routine, but small oversights often lead to unexpected charges or disputes that take weeks to resolve. Understanding common pitfalls helps you protect yourself.

Mistake 1: cancelling but forgetting to confirm

Many traders click "Cancel Subscription" but don't complete the confirmation step-they assume the request has been processed. Topstep requires explicit confirmation via a follow-up prompt or email link. If you don't confirm, your subscription remains active and you'll be charged again on your next billing date. After you click cancel, always wait for the confirmation message and email before considering the task complete.

Mistake 2: not checking your statement after cancellation

Even after you cancel, monitor your bank or credit card statement for the next two billing cycles to confirm no further charges appear. Some traders cancel successfully but are billed again due to system errors or because they had multiple subscriptions active (for example, a Combine subscription and a separate funded account fee). If an unexpected charge appears after you cancelled, document it immediately and contact your bank to initiate a dispute.

Mistake 3: deleting your confirmation email

Your cancellation confirmation email is your proof that you requested cancellation on a specific date. Don't delete it. If Topstep later claims you never cancelled, or if a charge dispute arises, that email is your strongest evidence. Store it in a dedicated folder or backup it to cloud storage so you can retrieve it months later if needed.

Mistake 4: assuming immediate cancellation means immediate refund

Selecting "Cancel & Close Immediately" stops your subscription right away, but it doesn't automatically refund charges you've already paid for that month. If you pay A$73 on the 1st of the month and cancel on the 15th, you've used half the month and Topstep typically won't refund the unused portion unless you dispute the charge or they offer a courtesy credit. Read Topstep's cancellation policy carefully before choosing immediate cancellation.

Mistake 5: not accounting for time zone differences or billing date confusion

Topstep's servers may operate in US time zones, which can create confusion about when your subscription renews and when your cancellation takes effect. If your billing date is listed as the 15th but you live in Australia (ahead of US time), your actual renewal might occur a day earlier or later than you expect. Always note your exact renewal date in Australian Eastern Time and add a reminder to your calendar to check your statement on that date.

After you cancel: what to expect and next steps

Cancelling your subscription is just the beginning. Knowing what happens after you hit "confirm" helps you stay in control of your billing and access.

Your access and data after cancellation

If you chose "Cancel Subscription" (at next billing cycle), you retain full access to your Trading Combine account, trading history, and any charts or data you've generated until your final billing date. After that date, your access ends and you cannot log in. If you chose "Cancel & Close Immediately", your access typically ends within a few hours, though this can vary. Before cancelling, download or export any trading records, performance data, or evaluation results you want to keep-Topstep may not preserve your data indefinitely after you lose access.

Checking your final invoice

After your subscription ends, Topstep sends a final invoice confirming that no further charges will occur. Review this invoice carefully. It should show the cancellation date and confirmation that your subscription status is "cancelled" or "inactive". If the invoice shows unexpected charges or doesn't reflect your cancellation, contact support immediately. Keep this final invoice for your records.

Removing your payment method

Even after you cancel, Topstep retains your credit card or payment details in your account unless you delete them. Pro tip: Log back into your account after cancellation and remove your stored payment method from your profile. This adds a layer of protection-if a billing error occurs or a glitch re-activates your subscription, your card won't be charged because Topstep no longer has valid payment details on file. Some traders also request in writing that Topstep delete their payment information after cancellation, and Topstep must comply with Australian Privacy Principles.

Monitoring for unauthorized charges

Watch your bank or credit card statement for 60-90 days after cancellation. Stopee recommends setting a calendar reminder to check your statement on your old billing date each month, even after you've cancelled. This catches any errant charges or billing errors that might slip through. If you spot a charge you didn't authorize, contact your bank immediately to dispute it and provide your cancellation confirmation as evidence.

Escalation and dispute resolution: what to do if topstep won't cancel

Most cancellations go smoothly, but if Topstep's support team delays your cancellation, refuses it, or continues billing after you've cancelled, you have formal recourse through Australian consumer protections.

Step 1: request cancellation in writing via email

If you cannot cancel through the dashboard or if support resists your cancellation request, send a formal cancellation email to Topstep's billing support. Use a professional tone, include your account email, full name, and request cancellation effective immediately or at the next billing cycle. Ask for written confirmation. Save a copy of your email and note the date and time sent.

Step 2: dispute the charge with your bank or credit card provider

If Topstep continues to charge you after you've requested cancellation in writing, contact your bank or credit card issuer and file a chargeback or dispute claim. You have the right to dispute unauthorised charges under your payment provider's terms. Provide your cancellation email and any confirmation messages from Topstep as evidence. Most banks will reverse the charge while they investigate, and you'll receive a provisional refund within 10-14 days.

Step 3: lodge a complaint with the australian competition and consumer commission

If your dispute is not resolved, or if you believe Topstep engaged in unfair or misleading conduct around cancellation, file a complaint with the ACCC at accc.gov.au. The ACCC investigates breaches of the Australian Consumer Law and has the power to force companies to refund consumers or change their practices. You can also mention your complaint on public review platforms-transparent feedback encourages faster resolution from support teams.

Things to keep in your cancellation checklist

Before you cancel, gather these items so you're prepared and protected.

What other traders say about cancelling topstep

Public reviews and trader forums reveal patterns in cancellation experiences that help you know what to expect and avoid common traps.

Positive cancellation experiences

Some traders report smooth, hassle-free cancellations-they log in, click cancel, and receive confirmation within minutes. No unexpected charges, no follow-up billing, no unanswered support emails. These traders typically cancelled through the dashboard (not support), kept their confirmation documentation, and monitored their statements for one billing cycle afterward. Their success suggests the cancellation system works as intended when you follow the official process carefully.

Common complaints and friction points

A recurring theme in trader forums and review platforms concerns billing confusion after cancellation. Several traders report that Topstep's billing department was slow to respond to cancellation requests sent via email, or that they had to contact support multiple times to confirm the request was processed. Others mention that cancellation requests via email were not acted on, forcing them to use the dashboard method after several days of back-and-forth. A subset of reviews also mention that reset fees or other add-on charges were difficult to cancel separately from the main Combine subscription.

These patterns suggest that dashboard cancellations are more reliable than email requests, and that documenting each step reduces the likelihood of billing disputes or unexpected charges.

Key takeaways and how stopee can help

Cancelling Topstep is straightforward if you follow the step-by-step process: log in, navigate to Billing, find your subscription, click the three-dot menu, select your cancellation method, and confirm. Keep your confirmation documentation for at least 12 months. Monitor your bank statements after cancellation to catch any unauthorized charges, and don't hesitate to dispute charges with your bank or escalate to the ACCC if Topstep resists cancellation or continues billing you after you've cancelled.

Understanding your rights under Australian Consumer Law-including your right to simple cancellation, your ability to dispute charges, and your access to the ACCC-empowers you to handle cancellation confidently and recover money if needed. Avoid the common mistakes of skipping confirmation, deleting your confirmation email, and failing to monitor your statement after cancellation. Instead, treat cancellation as a documented process: request it in writing, save proof, and verify results.

Stopee has helped thousands of Australian consumers navigate subscription cancellations, dispute charges, and recover refunds from online services like Topstep. Whether you're cancelling because you've found a better trading platform, need to cut expenses, or have experienced billing problems, Stopee's step-by-step guides and consumer rights resources are here to support you. Visit Stopee.com today to access more detailed guides, templates for formal cancellation requests, and information about your rights under Australian Consumer Law. Your next step is confident cancellation-and Stopee is with you every step of the way.