Before the MS rework, a silver bar required 20 mining and 20 smithing. You took it to a furnace and smelted it into a bar.
With the M&S rework, you need to deposit ores and bars into the "metal bank" to be able to smelt or smith anything. You CANNOT smith or smelt from your inventory. For some reason, the Family Crest quest is required to deposit these ores into the furnace. This quest requires:
40 crafting
40 smithing
40 mining
59 magic
and for ironmen:
45 cooking
50 fishing
These requirements don't seem too bad, but all of that is now REQUIRED to make a silver bar. The only other ways to receive silver bars is:
Vyres
baby implings (17 hunter, RARE drop from each impling)
The Christmas cracker (expired)
and opening chests from the Shades of Mort'ton minigame
This is ridiculous. Let us make the bars from our inventory or remove that stupid requirement.
You should be able to smelt from your inventory. If you can't, it's a bug.