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When a handset is locked it means it will only work with the provider from whom you bought it.
It's simple to find out if your phone is locked. Simply insert a SIM card from another carrier (you'll be able to get one free from a phone shop or by ordering one online) and see if the name of the network appears on your handset.
If it does and you're able to use your phone, it's unlocked. If it doesn't your handset may be locked.
You can find more information on how to unlock your handset on this page