Unfortunately there’s no separate check, the BIN indicates the issuer’s location -
The first section of the Bank Identification Number identifies the location of the bank that issued the card, while the latter portion identifies the specific name of the bank.
Text copied from here.
Unfortunately it’s quite difficult to obtain a license to issue cards in a different country & therefore request a foreign BIN. So even though Monzo probably will issue virtual cards in the future (which could have a different BIN to the physical card that we have at the moment), it would be a lengthy process to make that possible.
FYI I work for a company that issues virtual MasterCard cards & this information’s coming from a colleague.