How to cancel your Topstep trading combine subscription in australia

What is Topstep and why australian traders decide to cancel

Topstep is a funded trader evaluation platform that charges monthly subscription fees to access simulated trading environments called the Trading Combine. You pay a recurring fee based on your chosen buying-power tier, and if you pass the evaluation, you may activate a funded account, which triggers additional fees. The service operates as a paid evaluation pathway rather than a traditional brokerage, meaning 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 have 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 australian traders cancel Topstep

You might be considering cancellation if you have successfully traded elsewhere and no longer need the Combine evaluation, if monthly charges are straining your budget, or if you have experienced technical issues or unresponsive customer support. Some traders also cancel after realising the profit targets or position-size limits do not suit their trading style. Whatever your reason, Yafee 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 had 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. Yafee 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 January 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 each transaction to verify the actual charged amount.

Your consumer rights and what they mean for you in australia

When you cancel your Topstep subscription, your rights are governed by the Australian Consumer Law, which forms Part 2-3 of the Competition and Consumer Act 2010 (Cth). This framework provides you with mandatory consumer guarantees that Topstep must honour, regardless of its own terms and conditions.

Your legal position when cancelling

Under the Australian Consumer Law, you have the right to cancel a distance contract (which includes online software subscriptions) within 14 days of purchase without providing a reason, provided you have not substantially used the service. This is known as the 14-day cooling-off period. If Topstep's terms attempt to restrict this right or impose penalties during this window, those restrictions are void. You are entitled to a full refund of your subscription fee if you cancel within this period.

After the 14-day period expires, you retain the right to cancel at any time. However, Topstep may charge a cancellation fee or require you to complete the billing cycle in progress, provided this is clearly disclosed in their terms and conditions before you subscribe. If Topstep continues to bill you after you have submitted a valid cancellation request, you may lodge a dispute with your credit card issuer or bank under the Australian Consumer Law.

Escalation: what to do if Topstep refuses your cancellation

If Topstep fails to honour your cancellation request or continues billing after you have cancelled, you can escalate your complaint to the Australian Securities and Investments Authority (ASIC) through its complaints resolution scheme. ASIC operates the Australian Financial Complaints Authority (AFCA), which handles disputes between financial service providers and consumers. You can lodge a free complaint at afca.org.au if Topstep is a registered Australian Financial Services Licensee, or if the dispute involves payment systems or financial services.

Alternatively, you can report Topstep to the Australian Consumer Law enforcement body in your state. In most cases, this is the State Commissioner for Consumer Affairs. Yafee recommends gathering copies of all cancellation emails, billing statements, and communication with Topstep before escalating, as these form the basis of your complaint.

Step-by-step guide: how to cancel your Topstep subscription

Topstep provides two cancellation options within your dashboard, each with different timing implications and financial consequences. Follow the steps below to cancel cleanly and avoid future charges.

Step 1: log in to your Topstep dashboard

1. Visit the Topstep website and enter your login credentials
   • If you have forgotten your password, use the "Forgot Password" link to reset it via your registered email
   • Ensure you are using a secure, private device and a trusted internet connection
2. Confirm you have successfully accessed your account dashboard
   • You should see your account name and trading activity displayed

Step 2: navigate to my profile and then billing

1. Click on "My Profile" or a profile icon, typically located in the top-right corner of the dashboard
   • A dropdown menu or settings panel will appear
2. Select "Billing" from the menu options
   • This section displays your current active subscriptions, past invoices, and payment methods
3. Locate your active Trading Combine subscription in the list
   • The subscription will show your buying-power tier (50K, 100K, or 150K) and next billing date

Step 3: open the cancellation menu for your subscription

1. Find the three vertical dots (also called an "ellipsis" or "hamburger menu") next to your active subscription
   • This menu icon is standard on most digital platforms and contains hidden options
2. Click the three vertical dots to reveal your cancellation options
   • You will see two choices: "Cancel Subscription" and "Cancel & Close Immediately"

Step 4: choose your cancellation method

1. Select "Cancel Subscription" if you want to end your subscription at the next billing cycle
   • You will retain access until your current billing period ends
   • You will not be charged again after that date
   • This option is ideal if you want to preserve access while you transition to another platform
2. Select "Cancel & Close Immediately" if you want to end access and billing right now
   • Your account will close immediately; you lose dashboard access
   • You will not be charged for any remaining portion of your current billing cycle
   • This option is ideal if you want a clean break and have no further use for the platform

Step 5: confirm your cancellation request

1. Topstep will display a confirmation screen outlining the exact date your subscription ends
   • Read this information carefully to ensure it matches your chosen cancellation method
2. Click the "Confirm" or "Yes, Cancel" button to finalise your request
   • Do not close your browser or navigate away until you see a success message
3. You should receive a confirmation email within 24 hours
   • This email serves as your proof of cancellation; save it in a separate folder for future reference

Step 6: verify cancellation in your account and billing records

1. Return to the Billing section of your Topstep account within 2-3 business days
   • Your subscription status should now display "Cancelled" or a similar inactive status
   • The next billing date should no longer appear
2. Check your email and bank statement for confirmation
   • You should not see any new charges from Topstep after your cancellation date
   • Contact Topstep immediately if charges appear after the cancellation deadline

Understanding refunds and billing adjustments after cancellation

Topstep's refund policy depends on when you cancel relative to your billing cycle and which cancellation method you chose. The Australian Consumer Law mandates certain refund conditions, but Topstep's own terms may offer additional consumer protections.

Refund eligibility within the 14-day cooling-off period

If you cancel within 14 days of your initial purchase and have not substantially used the service, you are entitled to a full refund of your subscription fee under the Australian Consumer Law. This right applies regardless of Topstep's own refund policy. To claim a refund in this window, contact Topstep support directly and reference the cooling-off period. Yafee recommends sending your request in writing via email so you have a dated record.

Refund eligibility after the 14-day period

After 14 days, your entitlement to a refund depends on Topstep's published refund policy and whether you have a valid legal claim under consumer law. If you cancel using the "Cancel Subscription" option, you will not receive a refund for your current billing cycle; you simply stop future charges. If you cancel using "Cancel & Close Immediately", most platforms do not refund the pro-rata portion of your unused subscription, but you should verify this with Topstep support in writing.

Nevertheless, if Topstep continues to charge you after you have submitted a valid cancellation request, or if you discover unauthorised charges on your statement, you can dispute the transaction with your credit card issuer or bank. This is known as a chargeback. Your bank will investigate the dispute and may reverse the charges within 60-90 days.

How to claim a refund from Topstep

1. Contact Topstep support via email or their help portal and provide
   • Your account number and registered email address
   • The date you cancelled and your cancellation confirmation email
   • A clear statement of why you believe you are entitled to a refund (e.g., within 14-day cooling-off period, or unauthorised charges)
2. Topstep will respond within 5-10 business days with a decision
   • If approved, the refund will be processed to your original payment method within 14 days
   • If refused, ask Topstep to provide a written explanation citing their refund policy
3. If Topstep refuses an eligible refund, escalate via AFCA or your state's consumer affairs office

Common mistakes to avoid when cancelling Topstep

Many Australian traders successfully cancel their subscriptions every month, but a few missteps can delay your exit or trigger unexpected charges. Here are the pitfalls to avoid.

Mistake 1: assuming your account will auto-expire

Topstep does not automatically close inactive accounts. If you stop logging in and assume the subscription will eventually lapse, you will continue to be billed monthly. The only way to stop charges is to submit a manual cancellation request via your dashboard. Yafee strongly advises treating cancellation as a deliberate action, not a passive process.

Mistake 2: cancelling via email without following up

If you email Topstep support asking to cancel, do not assume the request has been processed. Many traders report sending cancellation emails that were never acted upon, only to discover charges months later. Always cancel through your dashboard (the safest method) and retain the confirmation email. If you must cancel by email, follow up with a screenshot of your cancellation confirmation and request written acknowledgement from Topstep.

Mistake 3: not checking your billing statement after cancellation

After you cancel, monitor your bank and credit card statements for the next two billing cycles. If Topstep continues to charge you, contact your bank immediately to dispute the transaction. The sooner you report the unauthorised charge, the faster your bank can reverse it under the Australian Consumer Law.

Mistake 4: forgetting to cancel before a planned funding activation

If you pass the Topstep evaluation and your account moves to a "funded" status, an activation fee (typically A$193-A$224) will be charged automatically unless you cancel beforehand. Once activated, your subscription tier may change, and you may incur additional fees. If you decide you do not want funding, cancel your subscription immediately after you receive the pass notification, before the system processes the activation charge.

Mistake 5: losing your cancellation confirmation email

Your cancellation confirmation email is your proof that you submitted a valid request. If Topstep later disputes that you cancelled, or if you need to lodge a complaint with AFCA or a consumer affairs authority, this email is critical evidence. Save all cancellation-related emails in a dedicated folder and consider taking a screenshot of your dashboard showing the cancelled status.

What happens after your cancellation takes effect

Once your Topstep subscription cancels, your account enters a dormant state, but you retain the option to reactivate it. Understanding what to expect after cancellation will help you plan your next trading pathway.

Dashboard access and data retention

If you chose "Cancel Subscription" (end at next billing cycle), you retain full dashboard access until your subscription expires. If you chose "Cancel & Close Immediately", your dashboard access ceases within hours. In either case, Topstep may retain your trading history, performance metrics, and account data for 12-24 months, but you cannot retrieve it once your subscription closes.

Reactivating your subscription

You can reactivate your Topstep subscription at any time by logging in and purchasing a new subscription tier. If you had a funded account, reactivation will require a new activation fee. Consequently, some traders choose to hold their subscriptions (even at a monthly cost) rather than cancel, to preserve their funded status. Evaluate your financial situation and trading goals before deciding which path suits you.

Confirming no further charges

After 30 days have passed since your cancellation, verify that no further charges appear on your statement. If you spot a charge dated after your cancellation end date, contact your bank immediately and request a chargeback. Provide your cancellation confirmation email as evidence that you terminated the subscription.

Checklist: preparing for cancellation and after

Why traders choose yafee to manage their subscription cancellations

Cancelling a subscription may seem straightforward, but hidden charges, confusing refund policies, and unresponsive support teams can turn a simple exit into a protracted dispute. Yafee has helped thousands of consumers cancel their trading and SaaS subscriptions by breaking down the legal framework, providing step-by-step guidance, and ensuring they understand their rights under Australian law. When you cancel Topstep using the clear procedure outlined in this guide, you can do so with confidence.

Yafee's legal-first approach means you always know where you stand. You understand which consumer law protects you, what Topstep is legally obligated to do, and how to escalate if the company refuses to honour your cancellation. You are not left guessing whether your refund will arrive or whether future charges might surprise you. Yafee ensures transparency at every step.

The traders and consumers who use Yafee's cancellation guides report faster processing times, fewer billing errors, and greater peace of mind. Whether you are leaving Topstep after a successful graduation to another funded trader programme, or because monthly fees no longer fit your budget, Yafee equips you with the knowledge and confidence to cancel on your own terms, protected by the full force of Australian Consumer Law.

If you need further support managing your Topstep cancellation or want to explore your consumer rights in more detail, visit Yafee.com today. Yafee is your partner in reclaiming control of your subscriptions and your finances.

Key contacts and consumer protection resources

Topstep support and cancellation

Topstep Help Centre: help.topstep.com
Topstep Support Email: [email protected]
Billing and Cancellation: Access via your Topstep Dashboard under My Profile > Billing

Australian consumer protection authorities

Australian Securities and Investments Authority (ASIC): asic.gov.au
Australian Financial Complaints Authority (AFCA): afca.org.au (complaints: 1800 931 678)
Your state's Commissioner for Consumer Affairs: Contact via your state government website

If your dispute with Topstep involves payment processing, financial services, or breaches of the Australian Consumer Law, lodge a free complaint with AFCA or your state authority. Keep copies of all correspondence, cancellation confirmations, and billing statements as evidence.