Cryptic crossword clue
Instrument on account 8

The most common and most likely answer to this crossword clue is the 8 letter word HORNBILL

I've seen this crossword clue in Financial Times
H
O
R
N
B
I
L
L

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The cryptic/wordplay part
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This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
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What does HORNBILL mean?

HORNBILL noun
  1. Any of various birds of the family Bucerotidae, with bills resembling a cow's horn. Many species have a casque above the bill, and many imprison their young in a tree.

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