<?xml version="1.0"?><ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>4</documentType><periodOfReport>2003-08-13</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0000849116</issuerCik><issuerName>ACE CASH EXPRESS INC/TX</issuerName>        <issuerTradingSymbol>AACE</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001260068</rptOwnerCik><rptOwnerName>EVANS WALTER E</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>4424 HANOVER</rptOwnerStreet1><rptOwnerStreet2></rptOwnerStreet2><rptOwnerCity>DALLAS</rptOwnerCity><rptOwnerState>TX</rptOwnerState><rptOwnerZipCode>75225</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>0</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle>Senior VP &amp; General Counsel</officerTitle></reportingOwnerRelationship></reportingOwner><derivativeTable><derivativeTransaction><securityTitle><value>Stock Options (Right to Buy)</value></securityTitle><conversionOrExercisePrice><value>13.46</value></conversionOrExercisePrice><transactionDate><value>2003-08-13</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>40000</value></transactionShares><transactionPricePerShare><value>13.46</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><footnoteId id="F1" /></exerciseDate><expirationDate><value>2013-08-13</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>40000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>40000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeTransaction></derivativeTable><footnotes><footnote id="F1">Exercisable in four annual installments beginning on the first anniversary of the grant date (stated in column three).</footnote></footnotes><remarks></remarks><ownerSignature><signatureName>Walter E. Evans</signatureName><signatureDate>2003-08-15</signatureDate></ownerSignature></ownershipDocument>

