Quick answer
Read the exact message. "Locked by another user" means someone has it open — ask them to close it. A yellow Protected View bar just needs Enable Editing (if you trust the file). Read-Only is often Mark as Final (File → Info → Protect Document) or the file's Windows read-only attribute. Match the fix to the message below.
WHY IT HAPPENS
"Read-only" isn't one thing.
Word blocks editing for several different reasons and they look similar on screen. The file might genuinely be open by a colleague (common with shared documents on OneDrive or SharePoint), Word might be showing it in Protected View because it came from email or a download, the author might have used Mark as Final or Restrict Editing, or Windows itself might have flagged the file as read-only. Identify which and the fix is quick.
THE FIX
Match the cause to the fix.
- Someone else has it openIf Word says "locked for editing by another user", ask that person to close it. On modern Word with a OneDrive/SharePoint file, you can often edit together in real time — if you can't, choose Save As to make your own copy, or wait and reopen. If nobody has it open, a stale lock is likely: close every copy of Word, wait a few minutes, then reopen.
- Enable editing from Protected ViewIf you see a yellow bar reading "Protected View — this file originated from an internet location", the document is safely opened in a sandbox. Only if you trust the sender, click Enable Editing. If you weren't expecting the file, don't — check with the sender first.
- Turn off Mark as FinalIf a message says the document has been marked as final to discourage editing, go to File → Info → Protect Document → Mark as Final and click it again to switch it off. You can now edit and save normally.
- Unblock a downloaded fileFiles saved from the internet or email are sometimes tagged "blocked" by Windows, forcing read-only. Close Word, right-click the file in File Explorer, choose Properties, and on the General tab tick Unblock (bottom right) and click OK. Reopen the document.
- Clear the Windows read-only attributeRight-click the file → Properties → General and untick Read-only, then OK. If the tick won't stick, or the file is on a network/shared drive, the block is a folder permission — you'll need someone with rights to that folder (usually your IT provider) to grant you edit access.
- Remove editing restrictions or a passwordIf you can open the file but can only type in certain spots, editing is restricted. Go to Review → Restrict Editing → Stop Protection. If it asks for a password you don't have, only the person who set it (or your IT team) can remove it — Word has no legitimate bypass.
- Save a fresh copy if it's still stuckAs a last resort, use File → Save As to create a new copy under a different name. This drops most local locks and Protected-View flags, giving you a clean, editable document — then delete the old one once you've confirmed the copy is complete.
If files are locked for your team every day — phantom locks on shared documents, co-authoring that won't work, permissions no one can explain — it usually traces back to how your OneDrive/SharePoint and file permissions are set up. Getting that right means people edit the same document together smoothly instead of chasing "who has this open?" all afternoon.