Not sure about the UK, but, in France, it's easy enough for a local Association (table tennis, footie team, Am-Dram society etc...) to have a bank account. It needs only three designated members (President, Secretary, Treasurer...) and have meetings with Members. Our band (Kiemsa...) used this for the whole of its existence, with official 'meetings' every three years, to vote in the statuary roles, above. It works very well, for very little, or no, cost, and has advantages when contacting other Administrations, such as Town Halls and the like.