Scratch using pencil (8)
I believe the answer is:
withdraw
'scratch' is the definition.
(I know that scratch is a kind of the withdraw)
'using pencil' is the wordplay.
'using' becomes 'with' (eg 'fixed with glue' means 'fixed using glue').
'pencil' becomes 'draw' (I am not sure about this - if you are sure you should believe this answer much more).
'with'+'draw'='WITHDRAW'
Can you help me to learn more?
(Other definitions for withdraw that I've seen before include "Drop out" , "Recall" , "Take back or away, say money from bank" , "Pull back or move away" , "Scratch" .)