But the capacitor is across the output of the bridge. How can the voltages be different? Don't change the capacitor voltage rating. You always want to use a cap whose voltage rating is higher than the operating voltage by at least 25%. Where are you connecting your multimeter probes? They need to go directly across the capacitor. And what kind of multimeter do you have?Sorry for writing so much, I tried to explain my findings.
1. The output voltage of your bridge is not the same as the voltage on your smoothing capacitor.
True but but that's what it is, I didn't make it, I bought it ready. I'll replace it with a 24V capacitor if that will be better. I'll also remove the series resistor. Will that be ok?
Schematic attached. I'm connecting the supply with two short leads from the power supply to the breadboard. An in-line on/off switch is on the +ve lead.
BTW, post your schematics as .GIF , .PNG, or .JPG. They will be much smaller files.