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Does registering a charity have more advantages than disadvantages?

Start-up Charity

Sarah Relf Manda Slater Memorial Fund Posted 22 days ago

We collect funds to donate to charities in my late sister's name. We do not have an income over £5k per annum and no formal structure (it is a family venture). We aim to do more fundraising and formal status would mean we could have a named bank account, benefit from Gift Aid, cheaper online financial services for collecting donations etc. It will probably never be a big venture, so I don't think we are obliged to register. 
But do you think the advantages of registration outweigh the disadvantages (formality, increased admin etc.)?
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