The Making Money Web Site Nokia unlock code generators use a set of 7 codes, something like those below:
#pw+378826702640327+1#
#pw+294365624205166+2#
#pw+843021176162422+3#
#pw+444037775262334+4#
#pw+494237425204736+5#
#pw+733110464133112+6#
#pw+145234270304737+7#

Any one of the 7 codes will probably unlock your phone but we normally use Code 7 first, if that does not work then code 1 and on the rare occasion they both fail we try code 5.

Now enter code 7 into your phone with NO sim card in!

To access "p" just press "*" three times within one second. To access "w" press "*" four times within one second.
To access button "+" you have to press twice "*" within less than a second.

If successful you will see the message 'Phone restriction off' (if not you will get a 'code error' message).

Warning and Tips!!!
If the unlock code has been entered incorrectly 5 times or more then upon entering in further codes the phone will display "cannot undo restriction" (or "Not Allowed" for Symbian phones - 7650 / 3650 / N-Gage) message instead of "code error". If you see the "cannot undo restriction" or "Not Allowed" message then only a professional unlocker can help you by using an expensive cable solution!

If the code does not work after a couple of tries:

1) Double check you have entered the correct IMEI - press *#06# into the handset to display your IMEI. (Many people type a digit in wrong)
2) Double check what network the handset is locked too and your network code.
3) make sure your phone is not already unlocked! This sounds stupid but some people really don't know what they are doing!

To check if your phone is locked, insert a foreign sim into the handset. (I.e. a sim that the handset will not accept) - The phone should display something like 'enter restriction code' - if you do not see this then your phone is not locked!

If your phone is already unlocked you will always get code error regardless if you enter the correct code or not!!!

NB. Do not worry, you CAN NOT damage your phone by entering the incorrect code more than 5 times! It’s just that you will not be able to unlock it even with a correct code if you have! So unlocking by codes is very safe! :-))

AT&T (USA 3650) UPDATE!
If you have a 3650 locked to AT&T (USA) use the following network codes to calculate the correct unlock code:
Use network code 24407 if your IMEI starts with: 351102500
Use network code 31038 if your IMEI starts with: 351102501
Use network code 31038 if your IMEI starts with: 351102502
Use network code 31038 if your IMEI starts with: 351102503

For 3650 AT&T USA always use code 1 out of the 7 generated!