We’re always looking to salute those companies who produce their own Atoms of Delight - those little gestures that make a big impression - wherever we come across them.

So having been accosted on my cycle to work by a lady from the newly launched Metro Bank offering me a free neon bag cover and a breakfast banana, I wanted to give a nod to a company who could almost be preaching from the Goosebumps bible.

Metro Bank’s ambition is to revolutionise banking by bringing back some love to a much maligned industry - no mean feat at a time when Fred the Shred et al have become Britain’s pantomime villains. Quite rightly, they’ve realised that it will be deeds, not words that will win over a cynical public and convince them that not all banks have bad intentions.

From handing out freebies to grateful commuters, to opening their branches 7 days a week and even offering free dog biscuits in branch, Metro Bank is clearly committed to baking it’s ‘love your bank at last’ brand promise into every customer touch point.

So, congrats to them for quite rightly focusing on the physical, and for making my cycle to work that little bit more pleasurable. It will be interesting to see if this innovative approach will be as successful at signing up customers as it has been winning column inches.