diff --git a/components/brave_rewards/browser/rewards_service_browsertest.cc b/components/brave_rewards/browser/rewards_service_browsertest.cc
index 1335dd4d78ce..71f704461a89 100644
--- a/components/brave_rewards/browser/rewards_service_browsertest.cc
+++ b/components/brave_rewards/browser/rewards_service_browsertest.cc
@@ -306,6 +306,7 @@ class BraveRewardsBrowserTest :
       *response = brave_test_resp::captcha_;
     } else if (URLMatches(url, RECONCILE_CONTRIBUTION, PREFIX_V2,
                           SERVER_TYPES::LEDGER)) {
+      first_url_ac_called_ = true;
       *response = brave_test_resp::contribution_;
     } else if (URLMatches(url, REGISTER_VIEWING, PREFIX_V2,
                           SERVER_TYPES::LEDGER)) {
@@ -1268,6 +1269,7 @@ class BraveRewardsBrowserTest :
   double verified_wallet_ = false;
   const std::string external_wallet_address_ =
       "abe5f454-fedd-4ea9-9203-470ae7315bb3";
+  bool first_url_ac_called_ = false;
 };
 
 IN_PROC_BROWSER_TEST_F(BraveRewardsBrowserTest, RenderWelcome) {
@@ -1750,6 +1752,57 @@ IN_PROC_BROWSER_TEST_F(BraveRewardsBrowserTest, AutoContribution) {
   rewards_service_->RemoveObserver(this);
 }
 
+IN_PROC_BROWSER_TEST_F(BraveRewardsBrowserTest, AutoContributeWhenACOff) {
+    // Observe the Rewards service
+  rewards_service_->AddObserver(this);
+
+  EnableRewards();
+
+  // Claim grant using panel
+  const bool use_panel = true;
+  ClaimGrant(use_panel);
+
+  // Visit verified publisher
+  const bool verified = true;
+  VisitPublisher("duckduckgo.com", verified);
+
+  // toggle auto contribute off
+  content::EvalJsResult toggleOffResult = EvalJs(contents(),
+    "let toggleClicked = false;"
+    "new Promise((resolve) => {"
+    "var count = 10;"
+    "var interval = setInterval(function() {"
+    "  if (count == 0) {"
+    "    clearInterval(interval);"
+    "    resolve(false);"
+    "  } else {"
+    "    count -= 1;"
+    "  }"
+    "  if (document.querySelector(\"[data-test-id2='autoContribution']\")) {"
+    "    if (!toggleClicked) {"
+    "      toggleClicked = true;"
+    "      document.querySelector("
+    "          \"[data-test-id2='autoContribution']\").click();"
+    "    } else {"
+    "      clearInterval(interval);"
+    "      resolve(document.querySelector("
+    "          \"[data-test-id2='autoContribution']\")"
+    "        .getAttribute(\"data-toggled\") === 'false');"
+    "    }"
+    "  }"
+    "}, 500);});",
+    content::EXECUTE_SCRIPT_DEFAULT_OPTIONS,
+    content::ISOLATED_WORLD_ID_CONTENT_END);
+  ASSERT_TRUE(toggleOffResult.ExtractBool());
+
+  // Trigger contribution process
+  rewards_service()->StartMonthlyContributionForTest();
+  ASSERT_FALSE(first_url_ac_called_);
+
+  // Stop observing the Rewards service
+  rewards_service_->RemoveObserver(this);
+}
+
 // #6 - Tip verified publisher
 IN_PROC_BROWSER_TEST_F(BraveRewardsBrowserTest, TipVerifiedPublisher) {
   // Observe the Rewards service
diff --git a/vendor/bat-native-ledger/src/bat/ledger/internal/contribution/contribution.cc b/vendor/bat-native-ledger/src/bat/ledger/internal/contribution/contribution.cc
index 4a3311cb468b..5ce4198bfb42 100644
--- a/vendor/bat-native-ledger/src/bat/ledger/internal/contribution/contribution.cc
+++ b/vendor/bat-native-ledger/src/bat/ledger/internal/contribution/contribution.cc
@@ -223,11 +223,11 @@ void Contribution::ResetReconcileStamp() {
 }
 
 void Contribution::StartMonthlyContribution() {
-  BLOG(ledger_, ledger::LogLevel::LOG_INFO) << "Staring monthly contribution";
   if (!ledger_->GetRewardsMainEnabled()) {
     ResetReconcileStamp();
     return;
   }
+  BLOG(ledger_, ledger::LogLevel::LOG_INFO) << "Staring monthly contribution";
 
   auto callback = std::bind(&Contribution::OnStartRecurringTips,
       this,
@@ -250,6 +250,11 @@ bool Contribution::ShouldStartAutoContribute() {
 }
 
 void Contribution::StartAutoContribute(uint64_t reconcile_stamp) {
+  if (!ShouldStartAutoContribute()) {
+    return;
+  }
+
+  BLOG(ledger_, ledger::LogLevel::LOG_INFO) << "Staring auto contribution";
   auto filter = ledger_->CreateActivityFilter(
       "",
       ledger::ExcludeFilter::FILTER_ALL_EXCEPT_EXCLUDED,