Inserting Tesco SIM card in a locked O2 iPhone 5?

I want to buy an iPhone 5 second hand that is locked to O2. I've read off loads of forums that inserting a Tesco SIM card into a locked iPhone 5 WILL work. Can someone please confirm if this is true (past experience?) as I don't really want to use unlocking websites.

I doubt that. If it is locked to another carrier it would need to be unlocked for it to work with others.

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