T-Mobile USA will unlock any phone for free, you just have to call them up for the code (for one reason or another, the representative didn't have a code available immediately for my latest phone, but offered to call me on my schedule when it came in, and sure enough she did). All you need is a non-T-Mobile SIM card, which they generally suggest to use a friend's Cingular, but for me since I had a left-over Telefonica card from Spain I used that. But yeah, didn't cost a dime. Iif Cingular is charging to unlock that's kind of sleazy.