Search BCP and you will find a lot of criticism of the way they market their products.
You should avoid a product which "[broken link removed]" on 25% of the investment for 12 months out of the 42 months term. This is designed to confuse as most people don't understand this. They give prominence to the rate of 5% which applies to only 7% of their investment.
Imagine the uproar if AIB offered 5% on 7% of your investment, and 1% on 93% of your investment. The average rate would be 1.28% and they would be struck down by the Financial Regulator for quoting the 5% figure prominently in the ad. I cannot understand why the Financial Regulator allows BCP to continue to get away with this. I can only presume that they have fooled the Financial Regulator as well.